I had one and 101 to return. Quite stupid! (7)

I believe the answer is:

idiotic

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'quite stupid' is the definition.
'idiotic' can be an answer for 'stupid' (I've seen this before). I'm not certain of the 'quite' bit.

'i had one and 101 to return' is the wordplay.
'i had' becomes 'I'd' (common contraction).
'one' becomes 'I' (Roman numeral).
'and' is a charade indicator (letters next to each other).
'101' becomes 'CI' (roman numerals).
'return' says the letters should be written in reverse.
'ci'+'to'='cito'
'cito' back-to-front is 'otic'.
'id'+'i'+'otic'='IDIOTIC'

Can you help me to learn more?

(Other definitions for idiotic that I've seen before include "Senseless" , "Altogether nonsensical" , "Stupid, foolish" , "Inviting ridicule" , "Silly" .)

I've seen this clue in the Sydney Morning Herald.

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