There are no stupid questions!

Your concerns are common coming from Windows users new to Linux. They are valid too, not saying they're not; but Linux is not Windows, and is not intended to be a drop-in replacement for Windows--even a distro as friendly as Ubuntu. Concepts such as separation of the user and administrator accounts and the security model based on that are deeply rooted (pun intended!) in Linux's Unix roots, and it's doubtful they're going to change. Use of command line shell is similar, it's the lowest common denominator of both administrative tasks and system configuration. There are many GUI tools available to do many (but not all) of these tasks though.

I hope you will give Ubuntu a chance, I really believe it's a worthwhile OS to both learn and use.