as with most quilting questions :1 its not dumb! and 2 its a matter of preference. Some quilters just canNOT make scrappy quilts. And thats OK! Check out Bonnie Hunter's site for tons of info, including a scrap cutting method for organizing your scraps. She is AWESOME! You might pick out a quilt from her free patterns and start cutting to fit that quilt.
www.quiltville.com
The free patterns are along the right side, with the tips and techniques below them. Have fun! I have been to that site MANY MANY times..and I still could spend an hour looking around...hehehehehehe