Thanks to @atk for the "recursive regex"-solution. It is even less than 140 bytes and "inlines" the subset of characters into the function. I think this could be much more interesting than my approach.
function a(b,c,d){d=Math.random()*99;return++c?'aeioubcdfghjklmnpqrstvwxyz'.charAt(c&1?d%19+5:d%5):Array(b+1).join('.').replace(/./g,a)}
With a little recursive regex magick, we can incorporate vowels and consonants into the function: