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Hello, how many miles are on this vehicle?
If you are having issues you are under warranty until 100k miles. If you haven't had issues as of yet you probably won't. Since the vehicle has 98k miles I would contact a Ford dealer and ask about an extended warranty. If you get an extended warranty from Ford any future issues will be taken care of. The Premium care warranty from Ford covers 98% of your vehicle regardless of what issue you are having.
You are correct. Fuel filters should be changed every 10,000 miles. The glow plugs are accessible by removing the injector noise cover. The noise cover is the hardest thing to remove.
They are just retaining clips. They are just difficult to access to remove.