The branch websites will share graphics (like the company logo), templates (some of the pages will be dynamically generated on the server but most will be static) and scripts (for inquiry forms). I assume these common elements can be kept in any of my user accounts as long as I use a full path to link to them, but there might be good reasons (that I can't anticipate ahead of time) for having all the branch websites under the same user account or having them in separate accounts. I know from another post I saw that, if one of the branches does want FTP access, that I can set up a user account for them and a directory that points to the actual web directory in another account, so I can give each branch FTP access to its own site either way.
If possible, I would like to not find out later that the organization I chose wasn't the best and then have to consolidate the separate accounts or divide one account into separate accounts. So I am asking if someone who has done this sort of thing, or who is just generally more experienced than me, can predict for me which way of organizing these sites I will be happier with down the road.