After Arena and Daggerfall, I wouldn't be surprised if Bethesda has their own in-house name generator, which ideally could be integrated into the game. Considering that there will be NPCs in Skyrim's towns of varying duties, and we already know we may encounter random characters challenging you to duels or offering to return items, I'm pretty sure not all people in towns will be pre-placed. There will presumably be filler NPCs abound, and I'm quite curious as to how Bethesda would design the towns to accommodate them. Would there be additional, unnamed houses in the cities for these generic NPCs to live in? If you kill one of these generic NPCs, will this house be freed up for a new generic NPC to use? And again, I want to stress how badly I hope these townspeople will have names, and not just be Riften Fishermen and Riften Settlers.
Thoughts?