This is probably the dumbest question to ask on here (PICS UP)

[mnbigblock]

The title of this thread reminds  me of what one of my professors said when one student said he had a dumb question... "there are no stupid questions, only stupid students". The point being that asking questions is better than just guessing.
To the topic at hand though, I know how you feel. There is a ton to think about, but you're  at the right place to find the answers.