no,its not a stupid question at all,and im actually a lil surprised youre the first to ask it
first off,this is one of those "do as i say,not as i do" things,as it involves modifying and flashing a file in hboot,wich can have disastrous consequences
i downloaded the leaked RUU.extracted its files with 7 zip. removed the images for hboot and recovery(so the s-off and clockwork wouldnt get updated),zipped the rest of them back up,renamed PG05IMG and flashed it in hboot. it overwrote every other partition,so your description is pretty accurate. i was running non-rooted firmware with s-off and a custom recovery. i couldnt use any root only apps,overclock,etc. i could,however,get to clockwork and make a backup of the unrooted rom.
it was risky,and not really neccessary-defiantely not somethin id reccomend trying unless you have a good understanding of what youre doing.i was just impatiet,lol. you could delete "superuser" from your app drawer while running the rom linked in this thread. to someone at verizon it would look 100% just like my unrooted one. as long as they dont look at your hboot screen or recovery,theyll never know
i flashed the superuser app in recovery so i could run it rooted for awhile,but i wouldnt have had to do that. all i needed to do was go to clockwork and flash a rooted backup. no need to go thru the root process all over again.
it doesnt matter how many security things a developer tries to sneek into a rom to try and block root exploits. as long as you have s-off,you can hboot or flastboot flash a custom recovery and your back in business.
being able to do things like this is why i love htc phones so much