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There should be no problems with your changing your file names, as long as you don't change the suffixes.
The one worry that I would have would be the linking within the MP4 (or whatever) AV file and the XMP file. This might not be an issue, but I would test.
Let's take a simple example:
We have Trip_01.MP4 and initially it is accompanied with Trip_01.xmp. We rename our AV file to "Myrtle_Beach_01.MP4" and the xmp to "Myrtle_Beach_01.xmp." If the internal header info in Myrtle_Beach_01.MP4" still links to Trip_01.xmp, that file would no longer be available, as we also renamed it to "Myrtle_Beach_01.xmp." I do not pretend to know the exact coding of this linking within the AV files, so this might be a non-issue, but still something that I would investigate, before I got too far into the naming process.
Good luck, and please report, as I will learn something about attached xmp files.