There's nothing stupid doing it that way. As you've heard, some people cut their boards to size using that method. It gets the job done, and in a short period of time without fancy/expensive methods. I've done it too, but I prefer a different method when I've got the resources.
Ok, but you might get a sore hand, and the cut surface will have to be tidied up anyway using a file. Any filing of the pcb will introduce fibreglass fibres which get everywhere. Just do that part of the job outside where the particles can be dispersed.