Dave, you need not feel apprehensive about asking a question. That's what these forums are for. Your question is a good one. The last two posts should answer your question. These two guys are right on.
If you are after some birds, by all means use the game loads. But, target loads will work also on small birds. If you are going to shoot at clay pigeons, use target loads. I think shot size is more important. I would not shoot smaller than 7-1/2 on A Grouse, Pheasant or any upland bird other than Quail or Dove. That could open more discussion, but it's just my opinion. Also it never hurts to shoot at a piece of paper 3'X3' and see what you get. Sometimes different guns handle different loads differently.