Nothing to be sorry about, this are video game forums to ask any questions about your system. ;)
To answer your question, yes - you can do it either way. You can play for as long as you want and then upgrade to new hard-drive or you can do it right away.
The one good advantage of doing it earlier is you won't have to transfer old files (music, movies, game saves, etc) but either way backup utility is fast and easy to use.
If you're not thinking about it right now, you can upgrade later on.
To help you do so, follow this link or future reference. The whole process of upgrading your HDD is easy and fast.
http://www.youtube.com/watch?v=NNSytaL9hnI&feature=fvst
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