You would use Clients::create() to do everything--create a client user, create a client, set client group custom fields, setup client settings, add a contact, setup contact settings, and send a registration email. Basically everything that you can do through the admin interface when creating a new client.   Clients::add() is simply to create a new client, and that's it. No contact, no settings, all of which are required for proper use in the system. You would need to add that additional inform