sucks but you need to take it out to see whats up. condition can vary allot. i have come across parts basically being intact and just the bearing dropping, to all sorts of destruction. it would suck if for example the inner piece isn't pressed into place! if that was gone the bearing won't do you any good, it rides right in the hole of the bearing like spindle. hopefully that stays put and you just replace bearing. on used parts if its one piece it could still be loose and want to go down, thats where the clamp comes into play and i think its the easiest alternative if you can't get a new bearing. if it isn't in pieces.
its not really hard to do, but i was lucky in that my dash, shifter box and seats were out so a tad more room.
i would take the seats out for sure and use moving blankets or something to even out area and maybe lean on your side or back with work light and just do what you can slowly.
you would be working your way from steering wheel down and taking the parts off and keeping them in order to the side will make it easy to put back together.
there is a newer plastic upper bushing for the ignition housing where steering goes through. i have seen old cars with metal pieces that were smashed enough to make them loose. so good idea to get one before assembling.
what you have to keep track of is where the car frame for the tube is held tight, there is a plastic collar on the outside that has a notch in it that mates with the bracket. take a look and picture or whatever so it goes back the right way or it won't sit right and be tight. this is held tight around tube with a metal clip. watch for this orientation as well. you can pop it off with a screwdriver, watch out it can shoot somewhere, wear glasses! when putting back together you start with side that fits into a tab on the housing and then you use small 2" c clamp or so where it makes sense to put pressure in the right way and it won't take long surprisingly to crank down on it and have the other side POP into place after it passes over a ridge.