Hi John:
The Church makes a very clear distinction between the individual and the call. The call to the enclosed life is the highest calling in the Church. This does not ensure that everyone who receives the call and enters an enclosed community will avail himself of the graces that it has to offer. Now, there are certain graces that come with the response, meaning that the actual profession of solemn vows brings grace to the individual without his or her consent. Then there are other graces that are achieved by living the life faithfully. The individual decides how faithful he or she will be.
Yes, you are right about St. Francis. He was not a monk. He was a mendicant brother. Mendicants are not monks, do not receive the same high calling as monks do. St. Clare was a monastic. The second order of Franciscans is a monastic order to this day. The first and third orders are not. They are mendicant and lay. The friars and the secular Franciscans are lay orders. Priests are allowed to join either one, but they orders are lay orders. Therefore, they do not share in the same grace and dignity as the enclosed orders. The Church does not attribute to them the same degree of holiness as a way of life. That does not mean that the inviduals cannot achieve holiness. It simply means that the way of life is does not share in the mystical life the way that monasticism does.
Nonetheless, you have mystics who were lay: Francis of Assisi, Catherine of Siena, Mother Teresa, Martin de Porres, Angela Foligno and others.
Francis of Assisi was declared the perfect Christian by a papal encyclical, but he became the perfect model for Christians, not because he was a monk, but because he responded to his vocation in a heroic manner.
Fraternally,
Br. JR, OSF