Not a stupid question at all.
Different agencies have different procedures.
PADI "requires" a safety stop whenever you come within three pressure groups of your no-decompression limit, and for all dives 100 ft. or deeper -- that's the shaded areas on Table 1 of the Recreational Dive planner.
SSI "recommends" a safety stop on all dives over 30 ft.
Just about all modern dive computers will automatically go into a safety stop mode -- mine does it for all dives over 30 ft.
A lot of divemastered dives these days will require you to do a safety stop.
A safety stop is a safety factor; if you skip it for some reason (like an emergency procedure), it wouldn't theoretically put you into a decompression obligation. But no guarantees -- and it's pretty standard these days, whatever doctrine you're following.
Um, please forgive me for pointing this out... I'm sure no-one else here will say anything about this...

but if you've forgotten about how to do safety stops, how much else have you forgotten about? It might be worth considering going through some kind of refresher before diving.
--Marek