We use 6 or 8 layers on serious stuff, high density with FPGAs. The Brat did a BGA-loaded board in 6, which she did just for the challenge. We use one ground layer and two pour layers for a typical board that has BGAs. By "pour layer" we mean a layer that has some power pours, not a solid plane of one voltage. We route traces on these layers, too. The only layer that's mostly solid is ground.
We rarely dedicate a full layer to one voltage. There are just too many different power supplies lately. A common mix is +5, +3.3, +2.5,
+1.8, +1.2, -5, +12, -12. Our boards are usually dense enough that we need 6 or 8 layers to get all the routing done. Some boards are half power supply.You can get two rows of BGA balls out to the world per layer, so if you're going deep, you need layers.
Yes. Given a solid ground plane, practically any medium-sensible power pour+bypassing scheme works. Which explains why there are so many theories about this.
John