Wow, Hermit, that's quite a story! I have to admit, at least for me, that you've been quite successful with #3 (in fact I think I was only 90% sure you were girl until you just mentioned it...

) and possibly also #1. I've occasionally caught myself thinking "right, so the chances that Hermit is actually a hermit are about the same as the chances that she lives in a Northern Marsh. Or any marsh."
For me, it was the song, of course.

Although, to be fair, I'm really not that creative, and right around the time I was signing up, I had purloined from my sister a cute little wind-up musical teddy bear which belonged to her as a baby. The tune was the song "Beautiful Dreamer," and I would wind it up right before I went to sleep (actually, I've always been afraid of the dark; and I tell you, some of those Doctor Who episodes can really play with your head as you're falling asleep....long story short, I was hoping the music would be a nice alternative soundtrack). As such, the tune was kind of stuck in my head, and so when I was trying to think of a name for TLC, of course the lyrics just popped into my head, and I thought "why not?" and here I am now.
Fun fact, I occasionally accidentally type "Beautiful Creamer" into the login box and then giggle for a few minutes.
