honestly, cant see why a clutch problem will happen only in 5th. fully gassing it in 4th, maybe uphill, should yield the same simptom if its the clutch. Another quick test would be trying to do a short burn up, if it spins the tire you can be pretty much sure your clutch is fine. jerking and catching up again is usually more related to worn engagement dogs / bent shift fork. While doing my 500 motor this winter I found some serious wear in the 4/5th gears dogs, resolved by sending for undercutting. the 500 & 650 g/box are pretty similar (save for the separate middle shift fork)
Test your clutch again though before heading for the big job of opening the cases.
And yes, you could leave the top end alone, turn over the motor and just open the bottom case.
TG