Pnewhook,
That workflow setting in Central Admin is a red herring. It seems you know that, but then that makes me wonder what made you think your form has "disabled workflows." I've never even heard of that and have never encountered in all the many, many InfoPath forms I've built and integrated with SharePoint. It seems more likely to me that something is wrong with the workflow whether it be how it was designed, a parameter within the form not being right, a parameter within the workflow not being right, a permissions issue, or some other setting that is preventing the workflow. I would prefer to know more details about the exact workflow and form so that we can understand the process better.