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This is one of those "Do what feel right". There is no wrong answer. I've been playing MMOs for decades and I've been in literally over 100 different guilds and what not...nothing grabs me to stay. I've donated literally million of gold and gil as an apology to each FC/guild I've joined because I think the longest I've eevr stayed in one is 2 months. FCs/guilds aren't meant for everyone. I've never locked on the social aspect cause it's either silent and no one talks or it's so packed that I never fit in.
I've personally see no purpose of an FC that a linkshell can't do. All the buffs? GC seals gets you that. I'm so flush with passes and what not that I'll never have to pay for a teleport or repair ever again. So only the social aspect is beneficial for an FC...and a Linkshell does that.
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Judging by a few of your other posts, make your own FC for the sole purpose of buying a house. If you then feel like it, actually grow it into your own community.