I'm so sorry for your loss, j.ann. And there's no such thing as a silly question - better to ask than to not know and be in the dark. I've had two mmc's, and we moved cross-country in between them so I've had two different doctors. Both doctors told me to wait about a week after bleeding stops before having sex. This is to make sure your cervix is completely closed again, to help avoid the risk of infection.
And mintypeas, I am SO with you on that! Both times, I was dying to have sex long before the bleeding stopped, because I desperately needed that intimacy. And both times, I cried all the way through the first time.