I use the two fields and combine them into a [Full Name] field that formats it as needed.
Its a tricky formula, but here it is:
Upper(Left([First Name], 1))&""&Lower(Right([First Name], Length([First Name])-1)) &" "& Upper(Left([Last Name], 1))&""&Lower(Right([Last Name], Length([Last Name])-1))
I then only use the full name field in reports and all other places in the app, the first and last name fields are only used for the edit / add forms
Note: If they have 2 last Names, it will put the second last name in all lowercase.