When someone says "This rule is crap/awful/stupid," "You guys just hate altitis," etc, it's complaining. And name-policy opponents here have done so. One even threatened to quit, saying that others will too. That's childish.
Saying "I understand your concerns, but how about we adjust the policy to fit X problem?" is not complaining, and a few here have done so.
This is actually the case with some people. Obviously 400 is a exaggeration, but not hyperbole. Some people have literally over 100 toons.
If you have 5 characters, and play 1 hour a day, only play one character a day, skip 2 days a 1 week, and only play 1 week a month, you should have NO problem having all your characters to a level where their names are safe. This policy will literally have no effect on you.
And at 30, you're name will be safe for an entire year.
While it's not a bad idea, accounts are free, and this would be a workaround to the rule. Make a new account, lock 2 names, wash, rinse, repeat.
The big issue I have with those that don't like the naming policy is that they all seem to be acting like they will lose access to the game... No, you won't. You won't lose your character, you won't lose your costume, your supegroup, your levels, your powers, your friends, your global, your slots, your enhancements, etc, etc, etc... And you will likely even get a rename token. Which means what? If you camp 10 toons at 6 or higher, and then leave them game for many months or longer, you MIGHT... MIGHT have a character or 2 that needs a new name... and with the vast amount of languages, words, names, and ideas out there, you can very easily get something close or better.