I am going to have to say go with a sump...
I think it will give you more flexibility, and room to put what you want into it, out of view. Especially if your just starting out, having that extra water volume helps with water stability, especially if you can add 20-30%+ volume with one...(its easier to pollute a pond vs a lake). And after your done adding toys to your tank...(there will undoubtedly be a few ugly ones, this hobby can get addicting) you wont want to see them all hanging on the back or side of your display tank. Your just going to wanna see your reef.
Also check out the LFS setups, I haven't seen one salt water tank where they don't use some sort of sump setup.
And keep reading!! Reef Central has been an extremely valuable tool, and everyone really wants to help you out. There is no really dumb question, everyone started somewhere.