Something retarded occurs to me and I use it.
... well, some random name usually crops up and that's that. Kuzco, Rey, Renton, Sandra, Bella Lee, et cetera. Never terrifically inventive.
From now on, I'll probably use Amsin for all of my male characters. For the ladies... well, you can never go wrong with Oubliette. It's French. Means 'dungeon'.