I self-censor because of this and think we shouldn't mind. I end up writing comments I don't submit, but I consider the exercise worthwhile because forcing myself to write my thoughts out and then judging whether they're truly helpful/insightful teaches me what knowledge gaps I need to fill eventually and where I'm just falling back on preconceived notions/biases to form my opinions.
So if you think you'll be down-voted ask yourself why. If you don't know why, then re-formulate your post as question to understand others' reasoning.
Some of it is really a very good thing -- namely, "am I asking a question that would be trivial for me to answer for myself?"
There are plenty of "stupid" questions that are important to ask of yourself (and are part of the learning process for all of us) but need not clutter up a good discussion.
If everyone self-censors by asking "will this increase the value of this discussion for other readers?", I think that's a good thing.
I think you're talking about self-censoring based on "will this comment reveal my ignorance and harm my karma?", which isn't the same thing. A question or two along the lines of "I don't know much about this, but it's interesting and seemingly not well-covered online -- does anyone want to give a quick high-level explanation?" are normally welcomed.
Be polite, be on topic, don't ask something that's trivial to answer for yourself, and consider the value of the question to other readers... and you don't have to be already a wizard on the given topic to discuss it.
Is Hacker News about teaching people things? Or does it have some other goal?
I wonder if there a parallel with the whole punishment vs rehabilitation aspect of the justice systems. In essence, a justice system is a social tool to cause people to act a certain way. Some techniques are better than others.
I'm a little disappointed that HN isn't like this. Most of the time I have a "stupid question", but I don't comment due to the HN's disapproval of stupid comments. I self-censor to the extreme with HN, and I don't think I'm the only one.
Maybe I'm in a minority here, but I'd like to see mean comments flagged/deaded. And stupid comments filtered to the bottom (but not otherwise punished).