No, you're not messing up the airbag. I do remove mine without pulling the steering. It's a bit difficult and I risk scratching the plastic everytime, but all I have to do is
1. unplug the battery (IMPORTANT or you get error codes after)
2. unplug the cluster after removing the screws. There are four plugs with latches.
3. pull it out by turning the wheel towards the left until it gets free. The other side is a bit more difficult with the windshield washer and cruise control command levers.
Just take your time and go easy. The plastic is old and a bit fragile if you have to open it for the big bulbs.
Welcome by the way ! And congrats on a great buy !