I say no i made level 126 without a clan. Well made one for wife and i.. but i got some help in otherworld by shaolin. But you can solo alot just be friendly. Ask for help nicely. Many do help and i wasnt ever asked to forgo any items. Now they gave me tons of runes and rings so i offered to give it to a few friends in that clan anx said give it to whomever i just needed that boss beat.. you will be surprised of the nice people there. Bit be warned many scammers. Of it seems too good its a scam
I'm level 186 and play solo as a paladin would, helping others and being just. That said most quest bosses are clan only. They know me and know l'm one of the good guys, but clan rules override everything. I understand, respect, and appreciate that. I get that this is a clan game and l'm making it harder by going solo. If not for the auction house l would have very little quest armor/gear. Just saying, if endgame is your goal the choice of clan is extremely important.