It's in names.txt, but also (for those at the start) in descr_strat.txt. Named character names are...interesting. Romani are all "[name] Romanvs" (and have a terrible habit of sharing the exact same internal name, even though there are 27 combinations of the same one available, using [name]A to [name]Z). Epirote and Karthadastim are "[name] ofepeiros"/visible name or "[name] ofcarthago". Seleukid, Baktrian and Ptolemaioi are usually the name you can see, if they have three names, it's "[firstname] [secondnamethirdname]". Sometimes you need no quotes at all, their name is just the one you can see.
I have no idea how Eastern and Germanic ones with funny symbols in their names work.
Yes, it's usually the Lusotannan who do that, grabbing Ebora, Tole, Brakara and Lankia in short order and then featuring three or four full stacks to use as they please. I have found that adding to those garrisons slows them down nicely (usually four units to each).
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