I'm surprised none of the above mentioned speed.
I think, in a multi user scenario, you pretty much have to split your database however expect that a form that maybe took 3 seconds to open on a joined database might take 10-15 minutes on a split one if distributed accross servers.
You can avoid this to some extent by steering clear of subforms or dropdown lists in fields and by ensuring that all your queries restrict the information that they return. My problem with that is that the whole point of the database is to run queries and to present information.
If you don't split then you run the risk that your data will become corrupt.
I've ended up with a Hybrid where users who have acceptable speed access via a frontend whilst the backend is actually a fully joined front and back that my users with slow connection issues input into directly.
the above is risky so make sure you have a good backup policy.