I hate to break it to you but you put your business out there online you should expect to hear the opinions of others....welcome to the internet. And you haven't been around here that long...I've read enough post by azure to assure you she isn't stupid....she is however honest and won't worry about hurting your feelings. You just didn't like what she had to say.
If you want an honest answer to your question. You are 'stupid' for not realizing that it only takes one time to get a woman pregnant if everything times out right and fertility in both parties is good. Tell her to go get the morning after pill...plan B if there is that big of a concern.