Actually not a terribly dumb question.
The way you transfer photos from your camera to your computer will generally not effect the photo quality unless you are using software that is going to reduce the resolution of the photo to save storage space.
I NEVER install software that came with a camera, because I don't want it touching my pics. Windows explorer's drag n drop is generally safe to use, and if you use that with a card reader or just usb cable between your computer and camera makes no difference. It is the same procedure over almost the same medium.
I suspect you are not using an adequate shutter speed. No matter how steady your hand is, with a low shutter speed (set by the camera in lower than optimal light), you will get blur. It getting worse when you zoom also lends itself to the problem being shutter speed. If you get a program called an "exif reader", you can see the data your camera stored in your photo about the photo, such as shutter speed, aperture, flash type, etc. 1/30 is about the minimum speed you can shoot without having to worry about blur.