I don't think I'll be buying one very soon. :roll:
It's not a stupid question. All of the technical questions and answers about neutrals can be confusing and seem contradictory at times.
The neutral carries current as it tries to keep the load end of the feeder or circuit neutral as close to that of the source end as it can.
If you think about it, all current-carrying conductors really do the same thing. Current has a way of exposing the weakest link in a circuit.
See if this is of any help. I wrote it in response to another neutral question:
http://forums.mikeholt.com/showpost.php?p=708650&postcount=4