Both concerns are valid in theory, but neither holds much water in practice. 
Starting with the clutch disengaged may have some validity in a very cold climate where the drag of the gearbox is significant, and the battery may be marginal, but in normal Australian conditions, it won't make a significant difference. Inertia of the gearbox and clutch driven plate will always be negligible compared to that of the flywheel and crankshaft, especially in a diesel. Note, however, that starting with the clutch disengaged is generally considered good practice from a safety point of view, and many current cars enforce this with an inhibitor switch on the clutch.
Certainly, starting with the clutch disengaged will put a load on the crankshaft thrust bearing (usually a thrust washer), but this will not normally be dry unless the vehicle has been standing for a long time, and most diesels start after perhaps half a turn, anyway.
John
				
			 
			
		 
			
				
			
			
				John
JDNSW
1986 110 County 3.9 diesel
1970 2a 109 2.25 petrol
			
			
		 
	
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