Not stupid at all, I too had the bi-lateral mastectomy skin sparing with expanders.
Lots of women keep their nipples, other chose to have new fake ones, at the end of the day it is your choice, your surgeon will give you all the options and then you can make a choice based on the information you have.
Chemo will also depend on the pathology results, ie what type of cancer, the grade, if it has spread to your lymph nodes etc, again there is no hard and fast rule, all cancers are different and your oncologist will make the recommendation based on the results. When are you having your surgery?
Talk soon, ask questions xxx
Tanya