Colin,
when i had all the clutch issues on my XC, i did find that the centre shaft in the middle of the clutch (the one with the teeth machine on the end) does flop about like a floppy thing, apparently this is normal. I didn't change this bearing, and everything has been fine for the past thousand miles or so.
I also had a few clutch drag issues when i reassembled it all the last time i put it together.
i tried a few things with mine, including putting some preload on the clutch- this in volved rotating the clutch actuator shaft in the direction of cable pull to remove any slack, then removing the alluminuim arm that the cable lots into, and putting thi back one tooth, then reassembling. You'll need to trun this as you tap it on so that it clears the casing.
How badly is it dragging? just to the point you can't find neutral? or to the point if started in gear with the clutch lever pulled in, it either stalls and starts moving the bike?
If it's not dragging excessively. it might just be that the plates need the newness rubbing off them, and a little time to settle in.
hth
Nathan