I definitely agree that
Gemma Loretta Sophie has the upper hand in the spunk department. I also get what you are saying about the informal, vintage feel. Personally, I wouldn't mess with
Everild, so a lack of vitality never occurred to me.
Thinking more about it, I suppose my desire for the French
Sophie must have come out of rhythm/syllable pattern. I think my ear naturally leans more toward the 2-3-3 of
Gemma Sophia Everild than the 2-3-2 of
Gemma Loretta Sophie but, with the French
Sophie, I got that nice little pop of brightness at the very end. I can see how it might be difficult to flow into a surname with that, though. Incidentally, in my family,
Sophia is pronounced "so-FIE-uh", (and that's how I prefer it) but I very naturally went straight for "so-FEE-uh" when I saw your
Gemma Sophia Everild combo. Maybe I subconsciously picked up on liking the long "ee" sound, after the short "e" and short "a" sounds of
Gemma. I do definitely like the long "o" of
Loretta, too.
Either way you go, you've got a lovely
Gemma. :)