I'm not a bard but I'll try my best to help.
1) I usually recycle the same names I've been using for years. If that doesnt work I start using the random generator and hope it inspires me, sometimes I'll just change a few letters here and there to better fit my style. Worst case scenario I go to google and use fantasy generators and change letters appropriately.
2) I wouldn't take that too serious, especially as a new player you can't be expected to have a bunch of armor sets. Even level 60 bards I know pretty much have one set and maybe swap out a few items here and there (not counting instruments of course).
3) As a bard you won't be pulling very often for groups, usually that's designated to a monk or sometimes even a ranger if it's outdoors. Most people want their bard with the group singing mana regen instead of running off pulling. If you do find yourself pulling you'll probably exclusively use lull to pull and charm if you get an add or mez if multiple adds.
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