Pictures: the base download only includes a couple of placeholder images. To get girls looking like the screenshots you need to install image/character packs into the game's resource folders.
New packs are here: https://airtable.com/apptYzyWwRURix9tK/shrGkJwppxCUVe41U
Colored names: you've actually spotted two separate systems. In the item shop, row color is the item's rarity/price tier, so your read there is correct. For girls, color is not rarity: gold means a unique hand-authored girl from an installed pack, plain blue means a randomly generated one. Red rows (when you see them) mean "this girl needs attention," e.g. low health. Unifying the systems is planned in the future
