it wouldn't be stupid to get one. i think it would help you learn to be responsible with your money. just be careful with it...but people can make those mistakes at any age lol.
a few words of advice if you do decide to:
i think it's pretty much a standard at a lot of banks, but at mine, they put a $35 overdraft on each charge once you go even a penny over. then, if it's not paid off within a week's time, another $30 holding charge is placed. it can add up quickly, so keep this in mind.
look around at different plans at different banks. i think bank of america has a plan you can tie to a credit card(something i WOULD say is a no-no for you right now), and they will take care of overage charges, as long as you pay what the difference was between the charge and what you had.
a lot of banks are offering student plans. i'm with bb&t, and will be on my student plan until i'm 25.(i'm now 22.) they give you a one-time forgiveness, where you can have one overdraft charge dropped. however, if you make multiple charges while you are already in the hole, they will only take off one of those charges...not ALL of them. this happened with my brother, and he still ended up having to pay around $100.
keep up with your balance really well. most banks have online registers, but the thing is, charges pend for a while a lot of times, and at a lot of banks, charges at places like gas station will only show $1 at a time...so it is easy to forget about what you already paid for, if it's not showing up YET. so writing out a balance and making changes asap after each purchase would be a good idea and help you learn how to stay on top of your money.
sorry to write you a novel, but i think you should go for it. just be responsible with it, and i think it'll be a good thing. good luck!