Help name baby girl?

I know a teenage one - no Italian connection at all and never any issues here

@MaloneMeadow , but she'd be asked if she was part Italian a lot and it would be misspelt often. I wouldn't recommend it.

Leah is pretty and fairly unusual these days, Leah Joy, nice

I prefer it and as I said freshens it up a bit. Julia alone is a bit 90s to me.

Julia - a bit dated. Giulia is a nicer spelling to brighten it up!
Why would you use the Italian spelling?

Lily
Clara
Anna are my favourites
I prefer Rose to Rosie

Julia - a bit dated. Giulia is a nicer spelling to brighten it up!
Chloe - Alright but quite 90s
Lily - boring
Clara - Love! Elegant and classic
Anna - Another favourite! Same as above
Leah - 90s and chavvy
Nora - really not a fan!! The old lady baby name trend is very cringe to me
Rosie - twee, a dog name
Holly - nice but not the most interesting

Julia - nice but I don't like Jules. Julia Joy a bit too much
Chloe - dated due to overuse around the turn of the millennium
Lily - insipid and overused
Clara - I dislike this
Anna - nice
Leah - nice but insipid
Nora - not sure but I'd go for the Norah spelling
Rosie - a bit twee
Holly - nice but Christmassy

The Joy isn't all that relevant. Middle names aren't used very often.
Which goes best with the surname?

I would use Holly Nora Joy Sh...

Holly because you said it's your joint favourite and it doesn't matter at all that it's a summer baby.

Nora because your DH doesn't particularly like it but this way you get to use it and it breaks up Holly from Joy.

Anna, Chloe and Julia are lovely. I have heard Chloe described as '90s' before (still beautiful, so it wouldn't bother me) , but never before heard anyone describe Anna as dated to a particular era, as a pp just did ("90s", apparently). Most people agree that Anna is one of the few names that is truly timeless.

They are all gorgeous, classic names. Feminine but simple and unfussy.

Love Nora and to me it looks odd with an H, Nora Joy is a lovely name

Clara is my favourite but maybe similar to Charlie so I’d probably pick Nora, Rosie or Julia. Other suggestions

eva joy
cora joy
juliet joy
emily joy
elsie joy
louisa joy
lara joy
sadie joy
molly joy
alice joy
thea joy
phoebe joy
daisy joy
mia joy
ella joy
harriet joy
helena joy
eleanor joy

Holly/Hollie was a close contender for us last year as DD was due in December she made a surprise appearance much earlier than that and from the rest of our list Anna, Ellis, Elsie and Hannah we chose Anna. So I am biased I think it's a beautiful classic name, from your list I also like Clara and Nora.

Julia is Lovely!

Anna or Clara

I really like Joy, could you use that as the first name?

I like Clara and Leah from your list. Prefer Cora to Nora.

However I would actually use Holly if it is your favourite, even with Joy. I don't think xmas association matters at all (it wouldn't have even occurred to me tbh). Also middle names aren't used day to day and Joy has family significance to you so that is the reason for using it.

Nora is gorgeous. I think it's more usually spelt that way, without an h. I think Nora Joy is gorgeous with Charlie. Rosie and Charlie is lovely too, but more twee, both having the 'ee' sound at the end.

Lily is a beautiful name but so popular for years now. I'm a teacher and there are so many girls called Lily throughout Primary.

Leah seems very 90s to me. It's a lovely name but if you want to avoid names from that era, I'd avoid that too.

LOVE Nora. A little more unusual but still obviously 'a name' and not many ways to spell it.

From your list, I love Chloe, Clara and Anna - 3 of my favourite ever names - all short, simple, pretty, classic, suit all ages. Not too overused.

Close second place would be Rosie or Leah - again, lovely simple and pretty. Leah in particular I think is very underused for how pretty it sounds.

Lily is slightly more girly and more commonly used, but still a lovely choice.

Julia is a good name, but isn’t quite as nice as your other choices imo.

Nora I quite like but it sounds a bit too old lady for my taste (maybe because I haven’t met any young Nora’s yet)

Iris
Ruby
Amber
Megan
Lyra
Lydia
Cleo
Alice
Lucy
Cora
Imogen
Eliza
Phoebe
Jessica
Thea
Amaya
Madeleine
Abigail
Esther
Sadie
Nina
Georgia
Freya
Erin
Isla
Esme
Leonie
Cara
Bethan

Arabella Joy?
Anastasia Joy?
Fiona Joy?
Marianne Joy?
Natasha Joy?
Sabrina Joy?

Could all go with Charlie William without being too matchy, have nickname options and a longer first name could balance out the shorter middle and last names?

I've recently named my fantasy, never-going-to-happen third child Polly Joy, so maybe that could be a contender? Same bright sound as Holly, without the Christmas connotations.

Julia - classic and elegant. Will never date
Anna - same as above plus translates well across many countries as it's the same!
Clara - it is classic but not in the UK until fairly recently. Pronunciation may be a slight niggle. Nice name though.

Not keen on your others. Fashions come and go with names and some on the list will date you to a particular decade or two. That's only a problem if you mind that.

(although Polly Joy sounds a little a product!)

How about Molly/Polly?

Harriet
Charlotte
Sofia
Amelia
Antonia
Arabella