I didn't vote because my answer really would be more like none of the above. I named two characters not so long ago for Living Proof. One I named simply because I liked the name, the other was more complicated. <g> I needed a name for Detective Wolf, so I went to IRC where we had fun talking about various possibilities. (Harry didn't work, btw. Neither did Big Bad.)
Both ways worked equally well, I think and now both characters have names, so...
Jana