My true perks are tank raised. Spent some time in a tank without anenome and had no problem...came home with me and within 2 days hosted a green bubble tip. Now, they are doing the two level homestead, during the day, one hangs on with the bubble tip, the other stays close in the green star polyps on the overhang just above. They sleep together in the GBT...
Clowns don't NEED an anenome, some use them, some don't. Some clown species seem to like one type of anemone over others..some host right away, some never do..Wild ones tend to host quicker than tank raised (if, in fact they ever do..)
It's a mixed bag of situations, without a diffinative answer! Best thing to do, read the stickys at the beginning of this forum, and roll the dice...
good luck,
Bill