Tried out a loner character:
Clan Lose screen says "You will lose this area if all your followers die!" in big red letters.
"Can now send out an expedition" -- doesn't make much sense for a loner.
Unrelated to Loner:
Night Clan Desert Stalkers with Shuriken seem to be having a problem hitting me. Not all the time, but I'll be hitting them with Shuriken, but they're blocked by things like bushes and dead bodies on the ground. Not that I want to get hit, mind you....