Let me answer in reverse order
2. There are no stupid questions. Ever.
1. Succeeding in the field: A degree cant hurt. Will it help? That depends on who is deciding whether or not to give you a job. For the most part, studios dont care whether or not you have a degree. If you can take a Rock and animate it such that I (the audience) can tell what that rock is thinking or feeling then "Studio X" is going to consider you for a Job. Talent matters.
My advice: Practice your craft. Always. When you've done that, practice some more. get a Website, post your BEST work, enter contests, get exposure...