I think on this thread one can only express their personal beliefs on the subject.
For my 2peneth I think the honour and privilege of naming a baot belongs to those who commission the build.
I have only been able to buy 2nd hand boats so far, but I do look forward to the day when one day I can name my first Oyster!
However, I believe that a case could be made that the changing of name has nothing to do with the gods but the subsequent 'bad luck' is nothing more than law of attraction manifesting mis-fortune because
you have the idea of 'bad luck' festering in the back of you mind...
And so because (on some level) you are thinking about mis-fortune, so shall you come to experience it...