No, it's not a dumb question. It <i><b>is</b></i>, however, a frequently asked question. (I need to add it to the FAQ at my site.)
No problem with your photo ID having a different last name. They expect that this will be the case for most married women. As long as the date of birth on your photo ID matches the date of birth on your birth certificate, you'll be fine. (It would also help if your first name matches.)