By the way: I never answered the original question. Were you naive or stupid?
Neither. You're not naive and you're not stupid. You made a bad decision, and nobody else is to blame. Certainly don't pin it on men. Men are just wandering fools....like women. They say stupid things and make bad decisions. We are all responsible for our own decisions, regardless of who gave the advice.
I can't believe you brought out the gender card. Good grief. If you really believe that you are equal to a man then you wouldn't need to bring up gender in the first place.
You're either a good photographer or not. There's absolutely nothing about a man that would make him a better photographer than a woman, but the fact that you are thinking on the gender issue shows insecurity (in my opinion). Clearly you are concerned what the men around you think (and perhaps you are assuming what they think).
Stupid or naive?
Nope. Neither one. It might go much deeper.
And I'm surprised your friends in the camera club are so eager to loan you their equipment. Dirt and WD40 are both kind of bad for electronics.