You're not too far off, and you'll find your account grows astronomically as your stake gets larger. When I got to about your HP I really noticed it snowball. I'd say if you posted every day and stayed active here you wouldn't have a problem hitting 10k.

I'm actually not 100% sure how much HP is needed for account creation tokens, but I know that @steevc might have the answer. I think with your level you should have a few creation tokens, but I'm not 100% sure how they work.