I\'ve read the manual many times, I\'ve scoured the posts offered by Google on the subject, I have even bought a couple of books that deal with ZF. Now, why am I still confused?
Render each element individually in your view - for example
This maintains the ability to use the Zend_Form view helpers (i.e. to display error messages and maintain the values of the form fields when validation fails) but gives you full customization ability.
If you want to go further, then turn off the default decorators of the individual form elements and then either attach your own to further customize exactly what tags are used (i.e. for error messages and labels) or don't use decorators at all (other than to render the form element itself) and then write all the surrounding HTML manually. Complete customization ability without losing the benefits of Zend_Form, both at the form level and at the view level.