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No you are not stupid.
I have had for last 16 years a
cell phone that is my work one.
It is a much needed necessary tool in the work I do.
I very rarely ever use it for personal use.
I have found no need to go out and buy a personal one.
Mind you, my mum who never had one I sent her one, as like some of your posters, you do worry if they are out some where and something not good should happen, but then I suppose it comes down to, did their glasses fall off, how can they see your number,or who has time to fumble in their hand bag or jeans to say HELP>
Nothing really in cyber goes undetected, it helped many crimes hone in on last areas or conversations that can lead to finding more of picture.
I kind of jump now and again when my actual landline rings, mmmm must change that tone.