The problems with
Moho 13.0's Smart Bone Action system runs pretty deep. Renaming the bones and SBAs in 13.0 will not fix some issues because the Actions are referencing internal IDs, not user accessible names like it does in Moho 12.5. This is problematic when rigging and animating characters that repurpose base rigs and rig parts, and re-use Smart Bone Actions.
IMO, it really is best to regress to Moho 12.5, or wait for Moho 13.5 to come out. Moho 13.5's Smart Bone Actions use Moho 12.5's name-based system, and it will not have these problems. I've never had an issue with re-using the same bone names and action names in rigs between different characters in Moho 12.5, but of course each character should have unique bone and action names within its rig. (As a matter of fact, Moho won't allow duplicate bone names in the same bone layer...which can actually be leveraged as a useful rigging trick when creating bone chains. I'll explain that technique elsewhere.

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All that said, yes, it's definitely good practice to give each bone and Smart Bone Action a clear descriptive name. The default bone name (i.e, B1, B2, etc.,) isn't very helpful when you have hundreds of bones and actions--without clear names, it becomes difficult to identify them.