A variety of dream scripts based on classic freudian examples that automatically give people dreams based on the people and the events that have recently occurred in their life.
So say you spend a lot of time with Bob, a guy, and one of his highest stats/skills (picked at random) gives you dream event A, where you have a dream about fighting him in an alley or something.
Create a list of dream events for each stat/skill, and a separate version of those lists for each gender. Then toss in a bunch of generic ones and keep adding to the dream list when you feel like it.