[jiminyClickit]

Starting at the moment of deciding to photograph a subject, it has a quality that caused me to take the time to register it on the card to the best of my ability. Included in that moment is knowledge that, displaying it will require an investment of more time to get through transferring to PC, Adobe, Flickr and DPS. That time is when a title choice is made. Being lazy or not having time doesn't enter into it, as a title carries a lot of responsibility. Your intention can be explained by it, your sense of humor displayed, how you feel about a subject clearly suggested.

Hand someone a business card without a name on it; it's not as effective.

For my own storage/filing, often it becomes a matter of subject/number (as Nicole said)), when it has not "spoken" to me as a photo. When a photo is purely a record of a previously often-shot subject, its title will take even more time to discover. Until then, it has a personal label that will tell me what it is, based on some memory only important to me.