Yeah, a bit of a simplification is you can get Stage 1, Stage 2, Stage 3 clutches (as some companies advertise them). But basically you pick an amount of torque you reckon you'll go up to eventually and buy the equivalent nm rated clutch to handle it.
As an example, my stock clutch slipped at the top end of the torque band at Stage 2+. But if I put 95% of the power down, it held just fine. When it was eventually removed for the proper rated clutch, they said the old one looked brand new. Clutch wear depends a lot on how you use it. If you race off every set of lights, hold it on hills, etc, it'll wear regardless. But in reality, you only use the top end clamping force of the clutch 2-3% of the time (hopefully LOL).