The guage pod definitely has to be removed to replace the little bulbs. It take awhile, and unless you're familiar with a) the locations of all the screws, and b) how to disconnect the speedometer cable, I recommend you have a mechanic do it.
The fan speeds are regulated by a resistor array, which is located in the firewall at the passenger's right foot. The array has several little "coils" or resistors that resist the voltage and allow the fan to work at different speeds. The highest fan setting is 12 volt, unresisted. A new array costs around $65 at the dealership, unless you can go to a u-pull-it scrap yard and get one for around $5.
I have to admit, since you called the fuel guage a "fuel-level thingy", you're probably not 100% mechanically inclined. If not, write down that the bulbs and the resistors need replacing and tell a mechanic to do it for you...
Good luck
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1990 5spd V6 Camry (Still kicking at 393,000km) 1991 Celica GTS -- Pappa needs a 3SGTE...and AWD for all this friggin' snow
Honda my A$$, you just can't kill a Yota...