accepting a Draw another dumb question

Umm for me, I never accept draws in a winning position because that makes no sense. I guess if the position is in an endgame about equal and you can't see a viable way of attacking and turning it in your favour then you can offer/accept a draw.

The advice I give beginners is you should offer or accept a draw only when you think your chances of losing are bigger than your chances of winning, i.e., you're in a worse position and/or almost out of time.

I only offer or accept draws when the position is dead drawn (for example when you have equal material, are in an endgame with only 1-2 pieces (minor or major ones) remaining and have no open space for your pawns to advance to)  and I am sure that the opponent won't blunder. This happens very rarely in my and especially your rating/skill range, so you'd be better off playing until the end.

You are a less experienced player. One thing that you need in order to improve is experience! This fact should tell you that you should almost never offer or accept a draw. I guess if you are clearly worse, and your opponent offers a draw, you should definitely grab it. But in almost every other circumstance, you should play on and try your best to find some way to improve your position. You will store up valuable experience. You will also loses a few games, but that really makes no difference in the long run. You're going to play hundreds, perhaps thousands of games!

Being new myself, I agree with what the other's have said. I will add if the game seems like it will be difficult to get a finish and you chasing around the king or it is significantly stacked against you. Don't just quit but we are here to learn and improve. Time might be better spent analyzing what went wrong over letting someone slowly take all your pawns