Phil, thanks. Yes, the question sets were going to be downloaded from the server.
To put your answer into AppStudio terms: you are suggesting using a single Form Object and just change out the Presentation Area of the Form Object. This approach, after I wrote this question, did seem to be the best alternative. With a consistent screen layout, why redraw anything other than the section that changed.
I forgot to add to this post another discussion that addresses: when to use more than one form → https://discuss.appstudio.dev/t/app-design-guide-trends-rules/1785