NPCs should all have real names along with occupations. I wouldn't mind seeing a "guild name" under their names as well, but to cover up their real names would make them seem less like a real person, you know?
I'd absolutely love to have special armor just for guards, and I think we will indeed have this, once we have more guards, more things to guard, and more places for guards to guard those things in.
And a lot of work is being done right now on NPC paths (movement system), so you may very well see patrols in the near future. If all goes well