Welcome to the site! It is not at all a stupid question! My wife carries mainly in a purse or bag. The trick there is to have a system in place to get to the gun quickly. You don't want it just jostling around in the bag, so you may want to invest in one designed specifically for carrying a gun. There are tons of options for purses and packs.
Also, wrt a belly band, there are options available that do protect the trigger, but that is a very legitimate concern! If you don't wear a belt this may be a good options for you, but you may also want to consider changing how you dress to better accommodate carrying a gun as well. As the old saying goes, dress to the gun. My wife is 5'3 115lbs, and she likes to wear the cute body hugging clothes (and I like he to), which is why she normally carries in a bag of some type, but she just recently started getting used to carrying her Shield at the appendix. This is a more comfortable way to carry b/c it does not force the gun to bear against the hip when wearing tighter fitting clothes, and it is easy to conceal even with the cute shirts.
It is all about what you like, but I recommend trying a few different ways to see what works best. You may find that a number of ways works for the given situation. Most of us carry according to what we're doing. I carry mainly appendix with an untucked shirt, but if I'm wearing a suit or tucking my shirt in, I will wear on my hip with my shirt tucked around the gun to conceal it. Not quite as comfortable as appendix carry, but it works for the occasion. The main thing is to be proficient with your method of carry. If you carry in a bag, be able to get to the gun smoothly (slow is smooth and smooth is fast - don't jerk). If you know you're in a sketchy area then you may want to go ahead and have your gun in your hand. If you're not then just be able to get to it quickly.
Practice and develop a sense of awareness no matter where you go. That is your most critical skill to develop as situational awareness can help you avoid a fight altogether, and that is best. Hope this helps!