Got a grinding noise coming from my AC compressor. The noise is significantly reduced when i TURN ON the AC.

I figure its the clutch or clutch bearing. Should i just replace the clutch assembly and pully ($100) or replace the whole thing ($250)??

Note: I've had 4 Hondas. Never in the 20 years I owed a honda, have I EVER had to touch or replace the AC compressor or pully/clutch.
OK I take that back. My CRX and 92' civics AC compressors went out.. Kinda hard to remember that far back.

Possible cause:
When i bought my USED civic (79k miles) at the dealership it had the full tuneup and belt replacement. It checked the belts to see if they felt new. I thought to myself, damn these belts are tight!!

I better loosen up the power steering belt and alternator belt also.

MY CAR:
Stock 2000 Civic LX
135,000 miles.
Auto Trans.