Hi
Lets us clear up a few things first, a browser form cannot connect directly to a database, but can via a webservice, much like DBXL a program written by Qdabra, a developer free download is available here http://www.qdabra.com/proddetail.asp?prod=QDBXL1. You can define a template linked to a database but it has to be linked using create a form template new from a data connection, unless you use something like DBXL
Infopath only forms offer many benefits not least of which is utilising other programming languages.
You must connect a form to a database as the first step of design unless using something like DBXL. Then place data fields on the form to collect data and query fields to query the database.
Most people would prefer to use the rich experience of Infopath and it is design opportunties, but restrictions like not every user having Infopath installed that force people to go down the browser form. Infopath forms offer programming in 4 different languages and 2 programming model variants and allows extra controls and other benefits that will not work on browser forms.
Designing an Infopath form lots of people use VBS but programmers generally prefer C# due to its greater scope.
If all your users have Infopath installed then much better to use the Infopath Client and then choose whatever language you are more proficient in but make sure you connect your form to a database at the outset.
A quick note as well, if you want repeating tables or sections then you have to have two tables in the database in a one-to-many realtionship.
I hope this helps
Cheers