I second the use of a SOLID CONTIGUOUS ground plane, how many of these ground planes I will add to my design depends on...
Signal/power requirements.
Cost, adding layers does add to the cost.
Just done a design where I upped the layers from 8 to 10 to get 2 extra ground planes in, so I had all the long signals routed as stripline between two ground planes, but also the power layers each had an adjacent ground plane... (12 layers would have made me even happier...)
Like most people I am have encountered confusion with regards to ground planes on PCB.
I would expect most professional people involved with PCBs not to say that, there is a wealth of information out their regarding ground planes, decoupling etc. Here's a basic list (that one day given some time I will update!!!!)
And here's some pretty pictures of the electro-magnetic fields and how they interact with a ground plane....
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Look up splits in ground planes, it will explain why top and bottom outer layer ground planes are a bit of a waste, and in fact they are ground copper pours not plains........