InfoPath Dev

check if attachment helps

well this error is often thrown for access denied, check your permission on the file for your account, also check if the file is checked out by some other user.

if you need to repeat a textbox element, using a repeating control like a repeating section or a repeating table. I am not sure what you mean by combining all theh 5 files of the infopath form template in one single xml string...

it seems the view of the document library has been grouped by name, since yours is only one form it is shown loosely, try adding one more and see if it gets grouped.

it seems you have put the rules wrongly, just try to toggle the rule conditions.  

No you cant design a blank template and assing any form to it, template is supposed to be a blue print for the form, the schema of the form and template should match,

well to code in infopath you need VSTA(Visual studio tools for applications) installed on your machine. to install you need to modify the office installation on your machine.you should not be requiring admin rights for that and even if you need admin rights get your SysAdmin team to do this.

you can create forms (xml) at run time but you cant create template(xsn) at run time

well when we use repeating controls(tables/sections) , when a new row/section is inserted, it produces exact copy of the xml of the original row/section except the values. to identify fields you can use indexing, so you can access them using field1[1], field1[2]....

you will need to write code on submit, save, open.