There's no such thing as a 'silly' photography question, that's how people learn things.
VR is good, it does help alot, but in lower light situations and/or with a longer heavier lens, a tripod (or other sturdy support) is still best. If using a tripod or other support be sure to turn the VR OFF. Trust me. Just be sure to turn it back on again when you go back to hand holding the shots.
F/5.6 is an average 'speed' lens. The lower the number, the wider the opening that lets light in the lens, which means better for low light photography and bokeh effects.
Given that all things are equal on the F stop, it would depend on what type of things you're going to be using the lens(es) for whether one or two would be better for you.
If you are going to be doing much for indoor shooting I'd go with the two lens set up, because you probably won't want to be lugging a heavy long lens around taking pix of the family and pets.
But if you're going to be doing alot of daylight outdoor shooting (vacations, side trips, zoo, etc) then it's possible the one lens set up would be better so you always have the focal length you need on the camera.
If at all possible see if you can find a bargain 50mm F/1.8 fixed length lens. If Nikon is anything like Canon lenses that is a fabulous lens. I use my Canon one constantly! Excellent for low light and bokeh as well as general shooting.
http://www.google.com/products/catal...ult#ps-sellers






RIP Sabrina June 16 2011
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