Hi:
First, for item 1 -- this is a common misconception. There is a UI limitation on conditions -- true. IP will only let you add 5. But if you change the first dropdown in a condition to "the expression" you can write your own XPath, like this:
my:field1 != '' and my:field2 != '' and my:field3 != ''
And so forth, using "and", "or" and parenthesis as needed to get your expression correct.
If you don't know what the XPath for a condition would be, leverage the UI -- set up the condition as usual with the dropdown boxes (selecting fields, operators, etc) and then change the first drop down to "the expression" -- your condition will be displayed as XPath in the text field after the first drop down.
I, too, wish for some kind of "If - then" ability for rules or defaults....but we don't have it. So it will need to be conditions and rules.
Sometimes, the easiest route is to create a number of expression boxes (calculated values in IP 2010, I think), each using the correct formula for the different options you may wish to display, and then conditionally format the expression box. I think in a more complex scenario like yours, it is six of one, half dozen of another -- either way you are going to have a lot of conditions, since there are a lot of possible combinations.
There is a work around for creating a type of conditional default, but the formulas appear to be somewhat complex and you may or may not want to invest the time in understanding them when you can work around this with conditional formatting. Here's a blog post from the InfoPath Team that outlines this idea.