I hope that anyone can make a clan/group no matter how many armour points they have.
If there are no restrictions, there will most likely be too many clans, and bad stuff can happen if a new user creates a clan without knowing the rules. I therefore think there should be an AP and Reputation requirement to create a clan, but they shouldn't be so high that there will be very few clans. There could also be different categories of clans that would have different requirements. For example, here's my idea of a categorized clan creation requirement system:
Gaming Clan: This category is for clans that are for a certain multiplayer game. These clans should have high AP requirements and low Reputation requirements.
Interest Clan: This category is for clans that show a specific interest. These clans should have moderate requirements in AP and Reputation.
Forum Clan: This category is for clans that allow a certain group of forumers to either spread a meme or have an additional form of contact. These clans should have a low AP requirement and a high Reputation requirement.
If this or a similar system is implemented, the creator would have to select from the unlocked categories. If the mods/admins determine that a clan is in the wrong category, they could change the category. If the creator does not meet the requirements for the new category, a different leader will be selected, preferably though a clan election where the candidates are all members that meet the requirements to create a clan in that category.