Now, we are talking. this is really good to hear. Another option could be, we had in Warband, some lords appear on our capital to be recruited. Is there any plan to implement this to Bannerlord if it is not already(I am not sure about if it is in the game since I did not attempt to create my own kingdom on Bannerlord yet).another option will be added later and player will be able to create new clans from his companions (of course limited to time / player clan tier / etc).
I agree that creating your own kingdom should be hardest part of the game.