It's not stupid to ask about this stuff and script making can be very challenging. Writing a script is very individualistic and really depends on what works for the creator. Some people script panel by panel, others, like myself, have looser scripting style. It can also depend on other portions of the comic making process such as the outline and the if you thumbnail pages off the script.
The way I script is separating dialogue and narrative so it look like this:
The chapter begins with our trio within the BBS dojo, with a focus on the target board in the room. Elliot is lying on a table, unconscious and shirtless. Lara and Tyler look on worried while Master Inu returns to the room holding a cup of tea.
Inu: Then the salamander just . . . adhered itself to his chest?
Lara: Yes, sir.
Tyler: Yea, and lightning came out when it happened.
I don't do panel by panel scripting cuz it's too restrictive for me. I draw thumbnails, little sketch versions of the pages, from the script directly without deciding panels beforehand.
When it to the writing, I go off my out line and write the first pass at dialogue and narrative. Then I go back and edit, make the dialogue more believable and change change character positions and settings/ backgrounds as needed.
My advice would be to try out different style of script writing and see what works. Ask other for excepts of old scripts to see how they do it. Maybe even replicate your novel writing style. Also do think too, too hard about this, you already know how to write, that's the hard part, and translating that into comics shouldn't be too difficult.