No, you're not silly, and again I've been going through a similar problem. The thing with me is, I contemplate these things a lot, and think very deeply about them, trying to understand them at a fundamental level. My philosophy with both personal and other problems has always been what I call the "Hydra Model." I don't know if that's a more recognized model, but for me, it basically means that with virtually any complex, systemic problem like political instability, disease, social relationships, or psychological problems, it is completely useless to just attack the problem at the surface, and often, doing so will only make the problem worse.
Like the Hydra from the story of Heracles, if you just damage the surface of it, that part will simply be replaced and possibly even replicate itself virtually immediately. To truly solve such problems, you must go right to the source, and solve it from the vantage point of its very heart, the center of it where all of those heads on the surface you were fighting before came from. One of the most well known examples of a problem like this is Gangs. You can make a major drug bust, arrest 100 gang members, or even destroy an entire gang or drug cartel, but it will be completely futile and useless because the underlying heart of that problem hasn't been solved, and so all your work will just be undone, the things you destroyed being replaced virtually overnight. You can ask any cop or drug agent who has worked on this problem and they'll tell you the same thing.
In your case, as in mine, I believe that subconsciously you feel yourself stuck at a crossroads. All the authority figures in your life are standing at your back, pushing you constantly to go forward, but you don't know which path to choose, and are afraid that you'll make the wrong choice. You may know where you want to end up, but you lack the faith in yourself to be confidant that you can do the things you know you need to to get there. You also feel that if you do fail, you'll do so horribly and it will send you into a downward spiral where you could end up in some situation right out of a nightmare. That fear of uncertainty about your future has paralyzed you, and you don't know how to get out of it.
I've found that one of the main answers to this problem, something that can give you that confidence, is first, advocate for yourself. Don't just let other people make all your decisions for you. A lot of those things can seem overwhelming, not really in the decisions themselves, but just that they, combined with all the other things that happen to you, come at you so fast and in such quantities that you feel like you don't have time to solve them all.
Second, and more importantly, you have to explain to those people at your back, your family, therapists, doctors, or whoever, as well as your friends and anyone else you trust, that you need them to actually support you instead of just pushing you from behind. By this I don't mean they would coddle you and do everything for you, but rather that in that same analogy, instead of pushing you from your back, they would stand alongside you and walk with you as you made your way down that path.
Third and lastly, you have to look inside yourself and understand why you got stuck in the first place, what the things you were afraid of were, and then, objectively and proactively, take a closer look at them to see if they're really as daunting as you thought. This doesn't just include tasks you have to complete, but also things inside you, aspects of yourself, those pitfalls that we all have, that you need to see, comprehend, and then overcome.
Once you have done that, you'll be fine and on your way. I hope this helps you.
its not been fun and your right, i do tend to spend a lot of time in my room (and in bed truth be told) it doesnt help that my two nephews live with us and happen to be 2 and below... being screamed at and have stuff thrown at you does Not make for an encouraging place to be. 
