Same reply from MSDN:
You said 5 different pages on 4 different views, but InfoPath doesn't have pages - it only has views. Please clarify.
Submit = Save except that Saves make the user specify the filename, and they automatically save back to where they originated while Submits set the filename dynamically and submit to wherever the data connection goes. Both submit the entire form, not just parts.
What I do is what you see in my video here: http://www.youtube.com/watch?v=ADc-0VoS4ZA
I use conditional formatting and identity detection with Form Load rules to hide/show sections/buttons based on the current user and workflow status. This can be done with or without views. I have some articles showing the techniques on my blog:
I definitely don't think it should be a document set. Isn't it one document filled out by 3 people? Doing this in one InfoPath form is very much suited to InfoPath's capabilities.