i don't think you're dumb, at all.
um, as for your questions, about what would be so hard about accepting a life without meaning, i can't really say that well. but it does freak people out (with unique cases the exception, of course), especially when their lives are in danger, or things are not going so well. it's easy to say: "oh, well, if there is no meaning to the universe, i am cool with that." easy to say, but hard to feel. you know?
but terry did sort of explain (and holy smokes, SO DID kid-A and daystar), in this thread, and the other one he made up about meaning (lol), why meaning comforts us. i would say again, that meaning comforts us simply because we are pattern seekers, by nature. there is pattern in meaning. and it soothes us. sorry, but i don't really have any better answers.
anyways, i don't presume that i have right answers (because i don't think they exist), or any contextual questions i have are inherintly better than anyone elses. i am just presenting the other side of the story with the same aggresiveness that the xians present theirs with. and i certainly do not say that a meaningless universe is more comforting than one with meaning, because in my opinion, it's not, though there is a certain liberation to be found in it, indeed. it's a tough road though, and ironically the path of least resistance based on what i can observe about the universe. i'm not trying to make any disciples. just trying to follow the most likely path, of all the paths. and the meaningless one seems like the most likely, and that in itself is refreshing to me.
and i also see the contradiction in my thoughts too: that a lack of meaning, really is a sort of belief. and an external belief to boot. but that is just what i am trying to get away from, external beliefs about the universe. and this is the path that is taking me there. there is going to be paradox and contradiction in the things i say, because the universe is paradoxical and contradictory itself, imho.
regarding elves: i do think that the illustration is just as deep as any other explanation. i see it all as relative. relative to me, and relative to you. it's a very post-modernist view i have taken up. god, elves, meaning, really all relative to the person. if 1 billion people believe in jesus, and only 23 believe in elves, i still do not think the jesus explanation is any better than the elvish one. truth/meaning doesn't lie in numbers, because truth doesn't exist, you know what i mean? and at that point, elves=jesus, nirvana, paradise, golden rule, right/wrong, better/worse, black/white, dark grey/light grey.
curious now, what meaning you have for your existence? i don't believe you have said yet.