Well, I'm a girl in real life... But this time around, I find at least two of the bachelorettes totally adorable, and only one bachelor remotely interesting. So I'll be starting with a boy file, and naming him "Elliot," as it's a good androgynous name (and then later I can cross-dress it up and pretend he's a girl, if I so choose

)
If I decide to start a girl file later (or just change my mind once I actually get the game and see all the pretty customizations), I'll probably name her Amber. (Which isn't my real name, I just like the name "Amber Rose" for a character.) Or Cassie. (Which is my real name.)
I really don't know what I'd name my child, yet. I guess "Adrien" would be another good 6-letter androgynous name to fall back on
No idea about animal names, either (I sort of make up names as I get the animals). Except I always name my first chicken "Sean." Just a tradition/running joke. And I'll probably name my first llama Elvis. I mean, look at that hair!