You are not an idiot, GM just makes you feel that way sometimes (all of us, pretty much). You need a special tool to release the pad retaining clip on the rear brakes. This months issue of PONTIAC ENTHUSIAST magazine has an article on exactly what you need to know, pictures and evrything. Also, if you go to Pennock's Fiero Forum (link from our site), you will probably find out what you need there. Hope this helps.
Tom Ott
Rat Pee 86