I have tried with or without names; for me it would depend how close I am to the person I am telling the story to.
And depend if the 3rd party is known in positive/negative light. i.e. story that involves an ex to a current partner.
I think you might be over thinking this because for the most part it doesn't matter, however if you are developing a rule of thumb; if a story gives positive credit - name the person, if not positive, skip the name.
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