Some good 'plot induced stupidity romance novels' are 'Attachments' by Rainbow Rowell. The plot of the IT guy monitoring the emails leads to some really interesting and at times stupid situations between the characters. 'Red, White & Royal Blue' by Casey McQuiston also has it. The political situation and the secret relationship plot create moments where the characters act stupidly. And 'The Kiss Quotient' by Helen Hoang. The main character's autism and her decision to hire a male escort for practice in dating is a plot device that leads to many situations where both characters act in ways that seem a bit unwise in the context of a normal relationship.