You’re not stupid.
What’s stupid is that Kicad doesn’t default to the correct choice of fill.
I can’t tell you how many times I’ve needed to go back an edit a part because of this.
I have never noticed that problem. Probably because long time ago (KiCad V4) first IC symbol I have started from copying one of KiCad symbols and then whenever I need to design new symbol I start from copying one of already designed symbols.
What is wrong in my opinion is this that when you select “Fill with:” then in symbol editor you normally see pin names while at schematic not. It should be the same.
While we are on the topic: What is the purpose of filling symbols with a color? I do not see how it adds clarity and I never do it. If I print a schematic diagram, I suppose that using a fill color will help to keep the printer toner manufacturers in business.
An even better obfuscation is to change the border width to a larger number, such as 5000.