Titles are definitely harder.
With character names, I can usually come up with something spontaneously. Sometimes I need to change it later, but that’s more because they don’t work together than because they don’t fit the characters. (“oh, you’re such an [name_f]Olive[/name_f]!” Later: “You are an [name_f]Olivia[/name_f]!” Much later: “Cousins [name_f]Olive[/name_f] and [name_f]Olivia[/name_f]!? No, better not.”)
But titles… maybe it’s so hard because a title could be anything, a name, a concept, a description of the story, anything. I just don’t know where to start.
When I first started writing what would later become my first NaNoWriMo Project, it was (seriously) called “The uncommon story of [full name of MC 1] and [full name of MC 2]”. It took forever until I came up with “No love, but XOXO”.
The NaNo after that just had the protagonists’ last name as a working title.
For shortstories I’ve gone with dialogue parts (“Smarter Than Most”) and a concept (“Longevity”) in that case because it’s one of those stories where it can be hard to figure out what’s going, so the title is giving a hint.