My recollection is that some minimum level of stake is necessary to attain to the RC's necessary to claim an account token, and there isn't any hybrid mechanism whereby you can use your RC's and add a little Hive to cover any shortfall.
Is that the fact?
yes the minimum is usually around 5000-8000 Hive depending on the fair market value of the token which is determined automatically by the network
of course if you have less than 5000 hive you probably don't need to be creating account tokens anyway
In fact one of the big themes of this post is that I think the cost of account tokens could one day be viewed as a ripoff and most accounts get created by burning 3 Hive.