Hey Roadkill, could look worse than it is.
If you still have a good oil level, then I doub't it's anything more serious than rocker covers. Although you did say your clutch was playing up. In what way?
If it was slipping, what kind of oil are you using? If it was grabbing and the engine was pretty hot, it could be that. I don't really think the two (leaking and clutch) are related.
If it was a head gasket, there would be oil in the water, or water in the oil, one of the two.
I may not be here for a day or so, but PM me if you like.
Mick