Wilkinson, 33, is acutely aware of his rugby mortality, having seriously considered retirement in January before listening to the urges of his team-mates to sign a new one-season deal with Toulon. Wilkinson has won Rugby World Cup, Grand Slam and Six Nations honours with England - but glory on the European club stage has escaped him.
There is a sense that victory in Saturday's all-French affair, no matter what Toulon manage to achieve in the Top 14 this season, would complete a stellar career. "There is no doubt that where I stand now this is all I have got to play for," Wilkinson said.
"That gives you a fair idea of the importance of it to me. I am playing in a one-game-at-a-time situation. To actually get a shot at something like this at this stage in your career is amazing. It was my first semi-final a few weeks back. This is my first final.
"It is a case of realising how fortunate you are to be in a group that can provide you with that opportunity and make the most of it. This is all I have got to play for now in my career and therefore it is the biggest thing I've got."
Wilkinson will be joined by four Englishmen in the Toulon squad. Delon Armitage, Andrew Sheridan and Nick Kennedy are in the starting XV and Steffon Armitage is on the bench.
Clermont boast Wales full-back Lee Byrne and former Scotland lock Nathan Hines in a powerful team, looking to become the first unbeaten Heineken Cup winners since Toulouse in 1996.
For all their attacking potency, with the likes of Wesley Fofana, Sitiveni Sivivatu and Morgan Parra in the back division, Wilkinson's presence in the Toulon ranks heightens the need for discipline.
"Discipline is the key word to win the match," said captain Aurelien Rougerie.
"With Jonny Wilkinson and their kicking game we are going to have to be very disciplined. We are very focused and we are aware of that. If you want to win the Heineken Cup final, it is in the detail. We have to be very mindful in everything we do."
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- Jonny Wilkinson