I usually stick with lore if it's possible. Though there was time when I played as Sunseeker Miqo'te but didn't want to use their lore names (I don't really like the lore of sun tribe), but wanted to have something what will sound somehow warm instead. It was "Nau'ra Amir" back then. Then I played as Xaela male later and renamed to "Naur Haragin", so kept first name with little changing and took a proper tribe last name.
In the end I returned to Miqo'te. but decided to play as Keeper of the Moon because their lore is better. Since I love my first name, I saved it, but changed to Naur'a (which means that my character is 1st, oldest, son of Naur) and took last name from lore which sounding I liked the most. That's how Naur'a Moui was born in terms of his name. xD