If the engine being stuck doesn't worry you, a bad clutch shouldn't either. Either way there's a good chance you'll need to split the tractor and remove the clutch to get at the problem.
However, I sincerely doubt that the main clutch is the cause of the engine not running, either. There's no water back there for it to let in, and even if it wasn't working anymore, the engine would run with the transmission in neutral.
My suspicion is that, like most people, this person isn't particularly mechanical and is just trying to repeat what he heard the mechanic say.
If water got in the engine, it may be a cracked block or head.
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Today's Featured Article - Identifying Tractor Noises - by Curtis Von Fange. Listening To Your Tractor : Part 3 - In this series we are continuing to learn the fine art of listening to our tractor in hopes of keeping it running longer. One particularly important facet is to hear and identify the particular noises that our
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