Can you allow users to create new tags and comment with just ten or fifteen points?
As a new user it's hard to use this site if I can't tag properly or comment.
You should be able to comment on your own questions, regardless of reputation. The reputation thresholds for commenting on other posts and creating tags, however, are set by the Stack Exchange network and cannot be changed for just this site.
Right now, the site is not so busy that your question will be lost if it doesn't have the perfect tags. It will be seen by plenty of people, even if the tags aren't quite right. Besides, other users will probably add any necessary tags for you by editing your question.
So, feel free to ask your questions, and don't worry too much about the details! If you ask good questions, you'll get to the reputation thresholds soon enough, anyway.