Yeah, re: Packs, we've almost always had a lot of packless Garou running around in RAtC (as long as I've been around, anyway, which may not be representative). I don't think I've ever heard a PC or player say something along the lines of "I'm a loner" or "I do what I want" when asked why their character was unpacked. Usually it's some single one or combination of:
1. None of the current packs will have me and there are insufficient unpacked Garou to form a new pack,
2. I do not get along OOC with the available players to pack with,
3. The character(s) it would make most sense for me to pack with are sufficiently disparate in power as to make operating as a pack difficult or impossible for the ST's to run, because any challenge that is at a good level for Cliath is trivial for the Adren and Athro, and anything that challenges the Adren and Athro is lethal for the Cliath, or
4. The characters my character could pack with are technically active but their attendance is so sporadic as to make actual pack gameplay difficult or impossible
In the past, our general take on this seems to have been "just get yourselves packed and the rest will figure itself out," but that is often not viable. The characters not getting along can be great grist for the roleplaying mill; the players not getting along (see number two) is setting the game up for trouble that is not fun for anyone. Similarly, the concerns over disparate power levels are real and sensible; in some situations it may work for the more powerful characters to take on a more strictly-advisory or mentoring role, if the players are cool with that, but otherwise I think it's likely to cause problems. That said, if people are dead-set on trying it than I (at least) would be happy to try to work with them to write and run plots for the whole pack, but it is at tricky thing.
Anyway, in terms of what Jay is talking about, I suspect this may vary a lot more from game to game than from genre to genre, though I welcome those with more experience to tell me I'm dead wrong if that is the case. My own OWbN experience is quite limited, but I've heard from others that they've gone to Vampire games and, if they did not come in as the acknowledged childe of an established player who got specific permission from the Prince to sire, they not only couldn't find anyone to interact with but were threatened with destruction by the Prince just for existing. On their first day. I don't doubt that lots of vampire games are friendly and welcoming to newbies; there are plenty of reasons IC for either to be either way. For example, vampires might be welcoming to new vampires because they see potential pawns to aid their schemes, or they might be aloof because these neonates may not be powerful enough or connected enough to be useful yet. Similarly, werewolves might welcome new claws because they're eager to teach and pass on the wisdom and arm the next generation of Gaia's warriors. Or, they might not because they're so focused on fighting whatever Wyrm threat is at the door that they have no time for characters with 11 Physicals in Crinos and no combat retests. That's stupid, IMO, but I'd be surprised if "your character is not strong enough to help achieve my goals yet, therefore I have no reason to talk to them" is a delusion that is particular to Garou games. Maybe it is, thouh!
I guess I'd like to get more of an idea of how large a sample your observation is based on, Jay - have you visited a lot of vampire and Garou games? To be clear, I'm by no means accusing you of manufacturing or exaggerating the point; rather, I suspect that I may be arguing from a pool of blissful ignorance here, and would like to know just how deep that pool is, if so.