It definitely depends on the writer and how it's used. I lean toward 'not really.' A name might spark an initial image, but building a unique character requires a set of convictions and contradictions a machine can't provide. I messed around with a bunch while stuck on a fantasy project, and they gave me stuff like 'Kaelen Stormrider' or 'Lyra Moonshadow.' It felt like assembling an action figure from generic parts—cool silhouette, zero substance. The real work started when I asked why 'Kaelen' would ever want to storm a ride, or what 'Lyra' actually did under that moon.
Where a generator can trip a wire is with names that carry a specific cultural or historical weight you hadn't considered. Flipping through lists for a 1920s story, I saw 'Ephraim' and suddenly had this stubborn, old-fashioned banker uncle pop into my head. But the identity came from my own associations with that name, not the generator. Relying on it for uniqueness is a trap; it's just a prompt, like a random word. The development has to come from the writer's brain, layering history, desire, and flawed logic onto whatever label you pick in the end.