Either run it til it's gone, or pul the cover off and check the thickness of your fiber plates. Of course, if you're going through the effort of pulling plates to check thickness, you might as well replace the plates and springs and just be done with it.
I'm closing in on 20K and I'm not the easiest on clutches, and mine's still fine. I gathered some bad habits when riding off road on two stroke bikes and tend to feather the clutch when playing off road. I don't play off road a great deal, so I figure it's why my clutch is still good..
As far as adjustment, part of that is clutch wear and part is cable stretch.. Run it for a while.. Sounds like you have plenty of life left.
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