not a silly question at all!!!
i take my ring off for a few things
1. I own a horse and go to see her and ride almost on a daily basis. Horses are unpredictable as is doing anything around the farm really. So every time I go to the farm, my ring comes off as soon as I get there. I have a special container that I put it in every time so it doesn't get lost.
2. when I am cooking and plan to use my hands to mix things - ie. when I make homemade burgers I'd rather not get raw meat all in my ring. So it comes off and goes in it's special place in the kitchen.
3. when I go out to do gardening and yard work. I'll actually put my ring safe in the box it came in when I head out to my garden.
I don't think I really take it off for anything else. I sleep with it (the self induced cuts and scratches stopped after the first week LOL) and shower with it.