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That's a good idea, though often people will be in possession of some explanation of their name that's just folk etymology. An example: I once met someone surnamed Rusling who believed his
ancestors were cattle rustlers. He could not be convinced otherwise.
Like you I don't find the "Kappel" idea very convincing, but you never know. There is a Croat word kapa, meaning "cap", but I don't find that information very helpful either.