Cannot get bike into neutral with eng...

after storing for the winter i could not find neutral with the engine running, adjusted clutch pack and cable but still cannot shift to neutral with engine running, engine off no problem. replaced primary oil and adjusted chain(oil was dark but still had oil smell), noticed that the cable adjuster is really close to the end of its travel. does this mean i should replace clutch discs and steels or have i maybe not adjusted the clutch properly(loosened the clutch cable adjuster right off, loosened pack bolt then screwed in until i could feel tension and out 1/2 turn) , if yes is there anything i should know about to replace discs and steels? this is a 96 softail custom.