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When I did my '93 4Runner I didn't remove the shroud or hose clamp, though my manual also said to do that. The only reason I can think of doing that is for clearance when lowering the back of the engine.
As for the top bolts on the bell housing I reached them with a very long extension after removing the shifters and lowering the back of the tranny slightly. I found I could reach with a wrench through the wheel wells and up the side of the engine, but couldn't get enough leverage that way.
Hope this helps
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