It's not a stupid question, but the match/outside match issue doesn't change things that much: I interviewed at places I didn't want to go, and places that I didn't think would take me, when I was going for residency. I've interviewed candidates who clearly weren't interested in my institution and were treating it as a safety school; I don't hold it against them, I'd do the same.
From the perspective of sheer logic, you should first decide if you'd even want to go to Texas Tech for fellowship -- if so, then go visit, if not, don't. I know that some of their big names are semi-retired and I don't have a good sense of where things stand with them now, but you'll probably find out if you go see. I also think people underestimate the importance of fit with a program -- I am very familiar with two pain fellowships in my area, one is extremely focused on anesthesiology and advanced procedures, one is very focused on interdisciplinary care and translational research. Your chances of getting into either one really depend on who you are, and if you fit their expectations of what a fellow is. If you can figure this out about Texas Tech now, by talking to faculty or alumni, you'll probably know whether you even stand a chance there.
Also: If you have some friends in the business, maybe ask them how competitive they think you are as a candidate -- everybody is above average these days, but you can probably figure out if you're a Hyundai or a Lexus.