That's exactly what you're gonna have to do, dude.
Pulling the cluster is pretty straight forward. A couple tips that might help:
- unscrew the trip odo knob and set aside
- lower the steering wheel all the way
The trim surrounding the cluster has 2 screws pointing up on the top side. Once you remove those (that recess in front of the badge is a great place to keep these loose parts, by the way), gently pry the top down and towards the steering wheel. Once it flips down, you can slip it out to the side. From there, it should be pretty straight forward. 4 screws hold the cluster in place, if it hasn't come out in a while, you might need to wiggle it (just a little bit) to get the electrical connectors to pop loose.
From there, it's just a question of gently releasing the plastic tabs around the perimeter to get the perspex (clear part) free. You might want to top off the tank before you do this. Use your fingers (or a fork) to *gently* pry the needle from the hub and then stick it back on, again, *carefully* so as not to bend the hub, pointing just a hair to the right of the F.
Good luck. You can do this.