No such thing as a dumb question; just dumb answers.
As to whether a novice could install recessed lights ? Maybe. I have installed them BUT the raw wiring was already there ie I didn't have to run new wire from a junction box / fuse box. They can be quite fiddly as they come with a transformer and you need to be careful where you put them as the transformers can generate a good bit of heat.
It is also easier if you are fitting them upstairs because you have plenty of room in the attic to work with, but if you are installing them downstairs you only have the ceiling recess space to work with which can be tight.
That said if the wires or an exisiting light fixtures are there and you are just wiring the lights up then I would say a novice should be able to do it. However, if you are not sure about it it is safer to get a professional to do it