Hi anne,
Not a "stupid" questions.
If the survey site offer Paypal option, I go for it. Since I don't like going to bank to deposit checks either!!
I like Paypal since it is faster, and of course it's free. I usually received $$ from Pinecone the next business day after completing a survey!
Regarding Paypal, I don't have any experience shopping with its credit/debit cards..I just withdraw the money to my bank accounts. I always shop with my credit card since I earn rewards from it.
Hope it helps!