Not dumb at all, it is not straightforward to get you head around. This 18-page guide to suspension set up by Bike Rumour is the best all inclusive guide I have come across. It will probably have more in there than you want to know right now, but you will read all of it eventually (it has pictures too!)
https://bikerumor.com/2014/10/30/bikerumor-suspension-setup-series-full-series-pdf-free-download/
And some forks come with some tokens in and some not; ditto shocks. It all depends upon what the manufacturer is aiming to achieve. Unless you are told when you buy the bike, the only way to know for sure is to look. But start with dissatisfaction!