I tried to follow the progress with your table design but got side tracked so it was hard figure out what you had in mind with the contact stuff. The pie in the sky situation, (in my humble opinion), is to have one form for each table. Out of all the db's that I've done, I really can on only remember one where I had several subforms. It was a nightmare trying to do validation, etc., with so many levels of events firing off...
Any who - about the only other thing that comes to mind is to suggest that if you start to get overwhelmed with a problem, ask if what ever it is that is causing the problem really required in the basic requirements of the db, if not, yank it out. Sounds like contact stuff is the core of you db so you would need to get it right...
kh