Within either framework, mini governments, which would be perceived as private entities, could come into power: The Libertarian side of things would embrace such systems, hopefully up to and before they committed to acts of force (depending on crime/reparations law nuances) or attempted to overthrow the current system forcefully, while the anarchist philosophy would be inclined to (??) reject to such conglomeration as it would institute a 'state' of chaos. I just find Libertarianism to be more likely to succeed.
I don't see Anarchism as being against organization. In my mind Anarchism is simply against legitimizing of force. If you wanted to form a gated community, commune, mini government inside an anarcho-capitalist society there would be absolutely no problem there as long as each of the members enter into your contract voluntarily and they can leave even if it breaks the contract (because an individual cannot contract themselves into slavery). Basically the only thing the contract could do is dictate how they behave in your little society and if they don't abide by the contract you can kick them out, but you cannot force them to stay using the contract (at least in theory).
I think in practice though, there would be much looser contracts. For example a bunch of neighbors in a wide area may contract together to defend the area in case of invaders or whatever. There are many different angles to this and each community can adapt the system to their culture and preferred way of doing things.
Like minded individuals would like congregate in areas where things are done their way.
The problem I see today is that we have a lot of the same. So when you complain and someone says "Why don't you go somewhere else?" there really isn't anywhere else to go. If all of North America was Anarchist there would suddenly be a lot of very diverse societies because there is no longer a conformist central government molding people through the public school system.
Ability being infinitely diverse: You may not have the ability to exercise all of your rights, but you may have the ability to infringe on the rights of others. Enforcing rights is a problem. Although I may be giving some lip service to the Anarcho-Capitalists, I find that there's always some level of recognition of the 'state' of the environment, whether a government is present or not, through the recognition of contract.
Again, you seem to be thinking of Anarchy as the mean stream definition which leads to chaos and what not. When in fact there is probably more order in an Anarchist society than in our current society, for one simple reason: In Anarchy you are required to be more responsible and cautious in life, while in statism you can rely on government to get you out of trouble if you screw up by forcing banks to forgive your debts and giving you money if you loose your job, etc.
The root matter is individual sovereignty. I like the idea of a system that recognizes the individual in terms of defense against slavery, and ultimately coercion (even though such a system is not perfect and I don't totally agree with it philosophically, it appears to be a best-fit). For all other 'rights', it's simply a matter of 'fighting' for your rights, or engaging in the 'right', or should I say ability (?) to contract, which I think the Anarcho-Capitalists would be more inclined to side with. Private groups would be free to compete so the government not be the first group to address all problems.
Government protects you from slavery by enslaving you itself. You should have realized this by now. You work so that you can pay your taxes, if you stop working men with guns will come and take your property because you couldn't pay the property taxes. That is slavery.
I recommend that you read this:
http://www.mises.org/story/1970 The Nature of Man and His Government
http://www.mises.org/story/1987 Society Needs No Managers
Examples of Anarcho-Capitalist societies
http://www.mises.org/story/1121 Medieval Iceland and the Absence of Government
http://www.lewrockwell.com/orig3/long1.html Privatization, Viking Style: Model or Misfortune?
http://www.daviddfriedman.com/Academic/Iceland/Iceland.html Private Creation and Enforcement of Law: A Historical Case
http://www.mises.org/rothbard/newliberty11.asp The Public Sector, III: Police, Law, and the Courts