You're probably right but that doesn't make it any less frustrating to watch. There has to be a way to make shows like this that don't rely on the characters behaving in ways that are purposely naive or stupid.
The way I process things as I watch is to consider whether a character could have made a particular decision and not whether they should have made a different decision. If you can rationalise a pathway to a particular decision or course of action in the context of their character and the knowledge they have available to them, even if it is not the best one, then questionable decisions and strategies become more palatable. Note this approach actually made Prometheus much, much worse. Talk about stupid decisions.
To that end, I didn't really find the girl on the radio to be that much of a problem. She was actually hesitant to give out information and somewhat cautious, even after they had built a rapport. As a teenage girl, it is understandable her wanting to connect with someone given their situation and having just lost her boyfriend (and pretty much her whole world), and her becoming anxious for the voice on the other end being put in danger having just made that connection is reasonable. She was in fact being proactively manipulated the whole time into giving out more information than she should have. Naive, yes, but not "purposely naive", and completely in line with the character.
Suggesting picking up the passengers on the liferaft(?) wasn't "stupid" either, especially when disagreement and apprehension amongst several of the group shown. The group discussed it and ultimately the action taken was to continue (albeit Strand railroading the conversation but still). Indeed, we'll never know whether actually taking them on board would have been a good thing depending what skillsets, information, and supplies that group had.
In my view, the adults letting the girl continue to talk on the radio after her revelations, and swimming into the sinking boat were the only "stupid" decisions in my view and for the latter I didn't even feel particularly bad about it given the nature of that character.
On a slightly different tack, stupid decisions get much less of an eye roll from me than the heavily overused "oh no, I need to run away, but I turned, tripped and fell over, and now they are on me". That's the laziest way TWD continually puts people in danger.
The audience has also dealt with the other show constantly beating us over the head with "Trust no one" and "Kill or be killed." This was mitigated somewhat in TWD because Rick was in a coma and then immediately found people who knew the deal. I was willing to deal with the FTWD's crew in the first season and was a lot more understanding but instead of teaching the character's anything about the "new world order" they decided to hide them behind the military and ignore all that time. This group would have been a helluva lot more interesting had they been forced to deal with the world during those 9 days.
Skipping a bunch of days and the whole miltary confinement of the neighbourhood was the worst thing about season 1 and a huge missed opportunity. Indeed, I felt like they robbed the show of the whole premise of which it had been marketed, and there is no way to get that lost opportunity back (not without another series anyway).