This is not a dumb question at all. And, while attempting to answer you, I fear that I may have forgotten some vital things about the subject — or I may be distorting some points. Still, I don't think that it will be off-topic to comment on your question. Perhaps I can attempt to explain why Redboy and others have been inspired to build such very simple devices.
In my understanding, an earlier era of audio produced line-sources that were not in and of themselves producing much line-stage power. Moreover, there was not much agreement among manufacturers, or even consistency among the various line-stage devices.
The most obvious need for a pre-amp was in regards to LP playback. All analogue was recorded and then re-recorded on archival, playback vinyl with some of the audio bandwidth suppressed while other parts were left in full bloom. This was done in order to assist in reducing unwanted noise and distortion. Playback needed a circuit that played back the LP according to the realism that was being being attempted. The process could be described by representing geometric curves. These were understood and standardised. And, all head amps or EQ circuits in the common pre-amp were designed to rectify the archive back into the realistic representation. Obviously, some EQ circuits were better than others. And acccordingly some were more expensive than others. And so, pre-amps achieved reputations based largely on what the EQ sections could achieve. They were all attempting to match a standard established by the recording industry.
Even today, some LP enthusiasts are using sections of older pre-amps to play back LP's. And of course, there is an entire subsection of an industry that supplies TT playback EQ amps — everything from the very inexpensive to the extravagant, boutique items — and, as always, plans and schematics for the DIY person.
Cassette tape players were brilliant in a way because they supplied their own, on-board EQ sections. The media and the hardware were integrated and functional in one machine. I think that this is a milestone that has been missed in the history of home recording!
Anyway, as time and technology went on, there was still the need to integrate systems so that various devices could be coupled without gross impedance mismatches. After all, there was a moment in history when solid state and tube separates were often shot gunned into some form of marriage. And the average consumer was neither aware of, nor perhaps very interested in the issue of whether they suited each other. A pre-amp stood an excellent chance of surviving most marriages — for those who were using separates — that is pre-amps and power amplifiers. The consumer could hook up almost power amp that was produced on the market to a decent pre-amp and produce a reasonable, effective sound. In addition, one could alter the tone to suit the room — as well as reduce the nastiness of certain speakers, or enhance the deficiencies in others. The purist even back then was often suspect of these features, but it atracted a market.
Any look inside a 1970's pre-amp or integrated amp will be a dramatic illustration. The so-called tone board is usually a large piece of real-estate. And many (not all) TOTL pre-amps of a certain era have a vast number of pots and switches devoted to this end. It was marketing — the more do-dads and thingy-puffers the better. But that was the age. Even my venerable Tannoy Gold Monitor speakers came with tonal controls for gain and tone. When I rewired them, I set them for flat response thereby bypassing a whole pile of passive stuff like switches, metres of wire and various passive components on the X-over circuit.
Now enters a new age. You could now choose a speaker that was either a garbage-end dud, or if you knew enough about audio, one that was perhaps more likely to be optimally the best solution in your listening room. Also, CD's and DVD's blah blah were being recorded (compression aside) more or less according to a common standard. The audio bandwidth was being pushed out whatever sort of port, either as a complete set of sine waves that were ready to be amplified and transformed into sound waves by the speakers — or as data-bits that a DAC unit rendered to the same end. Some Japanese integrated amps even included their own, on-board DAC units!
Now, with this simplified world, all we have to do is attenuate the signal coming out of the source — either the CD/DVD blah blah player — or the end source DAC ... if you are using separate boxes — reading and conversion.
There are some remaining questions: what about tone? Well, all the stuff that controls tone requires devices that in many cases degrade the product. That is to say, each electronic device adds its own influence. So, consider the possibility of cutting out all of the middle stages in the pre-amp, and submit the line source to simple attenuation. Problems can remain — impedance matching being the main concern. But, if the enthusiast complies to some guidelines, this can be adjusted and optimised — with greater or lesser effort. For the casual user, the integrated one-box, or the pre-amp/power amp combination could be the easier solution.
So, in conclusion, many enthusiastic users will be trying to match speakers and their amplification to suit the space they are listening in. And I submit that today's industry is much more developed, and has more choices for which to do this.
But that is not exactly the answer we are seeking is it? Question: do we need a pre-amp? For the users of separate boxes, this still isn’t any sort of no-brainer question? Some of us still need to switch sources. Some of us are just not comfortable with the possibility of impedance mismatches. And some of us may want a buffer stage to kill the nastiness of some Redbook recordings — music we love but in a rendition of sound that cuts up our sense of hearing. And there is a niche industry that caters to this end.
Line stage output is no longer an issue. All line stage units are within a range that can be attenuated and amplified to loud levels using the simplest of attenuators — the simplest of pots! Well, some people have complained of low levels, but I've not experienced this problem. With huge rooms and so on ... maybe ... in some cases.
Referring to my previous post: personally speaking, I do miss some of the rawness of the CD Redbook that comes across on my simple, passive attenuators. But, I do enjoy the buffer that is offered in the gain stage of my Melos tube pre-amp. It's a matter of ‘win some ... lose some’. On the Melos, I can switch, sources, play TT and have no issues with say recording FM tuner to cassette — something that was not as successful with just the simple, passive devices I was building. YMMV!
The exact and descriptive, electrical/electronic explanation is much more complicated than I have written here. And, I am not competent to write it. Some of our members could write encyclopaedias on the subject. But, I hope that this adds something to the discussion.
You — who ever you are out there in audio land — may not need a pre-amp at all. If you are within the terms of impedance matching that is described and prescripted in related threads, you may be best served by a simple, passive attenuator. And, as it is said over and over — the best signal can be the one that passes most directly from the source to the transducer — the speaker.
Sometimes we need more. Sometimes less. Back in the day we needed more, or at least many of us thought we did — pots, defeat controls blah blah blah. Today, you may be in a position to use a LOT less. In the end, it is may be a matter concerning what is often reffered to today as synergy! There should be little or no magic in it. But science cannot predict it all either.
Many of us have been astonished at what we can do with some very simple, passive circuits. Simple to build, but not so altogether simple to understand. These basic circuits get right to the guts of Ohm's Law and the function of the most fundamental, everyday, discrete electronic devices. Not all of us — including me — find the fathoming of this world as easy as say ... uh ... parsing a sentence, or cooking up a curry rue.
But, no matter what ... you cannot lose by building one — for like ... $10?