Dr. P,
I think you know a lot, actually. And, in general, having a central server is generally better than a peer-to-peer as permissions are much easier and no one is actually using the server. Just have the user on the PC with the AC databases have to reboot, and well, there you go.
I have thought through this a number of times (yes, Bert get a life), but from my perspective and I could be wrong, but the program on the server shouldn't matter unless databases are updated as the ACs on the workstations have increased functionality of the upgrade but only send and pull information from the databases are on the server. It is noteworthy that the databases must be in the AC folder to function as databases.