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I've never heard, or thought of, Troy as being anything but very masculine. I've only known one Troy, handsome and an excellent student and athlete. Despite the sound being similar to Joy, I can't see Troy suiting a girl at all.

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Troya sounds more feminine. If you hadn't mentioned that it's a legit place name, I'd think it might be made up. It did bring "troika" to mind right away, the nearest association filed in my brain. I can't say I immediately like it, but I think I could get used to it.