The whole point of Access is bound forms/reports. That is one of the things that makes Access a RAD (rapid application development) environment. So, unless you have a very specific need, there is no need to even consider using unbound forms. The majority of my apps use SQL Server back ends and support dozens of users. Once you understand how to use form level events you have absolute control over whether or not a record gets saved. You don't need an unbound form to obtain this control, you simply need to understand how forms work and when events fire so you will know what type of code should be placed in each event procedure.
Once your data (or user base) becomes large enough to require the use of SQL Server, you need to understand how to make your app work efficiently to return the minimum amount of data. There is no point in creating a form bound to a SQL Server table that contains a million rows. You will be very unhappy with how the form performs and your DBA will be very upset about the load you put on the network. So in summary, forms should be bound to queries with criteria that limits the rows selected. If you begin with this concept, you won't ever have a problem upsizing your app. Since the client/server approach works regardless of what type of database you are linked to and the "Access" approach works only with Jet/ACE tables, why not start with the client/server approach and be a hero down the road if you ever have to upsize?