WorkSpace WorkSets Standards

A lot of questions here but I really need some answers after searching hard.

I work for 4 large clients.  I need a way to set up each clients drawings so the drawing includes or has ready access to things such as dimension styles, text styles, and borders only for that client. I am trying to understand how to set up and use WorkSpaces & WorkSets.  I have followed the instructions to create a workspace.  After much searching and experimenting, I don't understand how to use it.  I am familiar with all the folders and contents after looking at the Example WorkSpace that comes with the program.

When I am working with client files, do I put them in a new e.g., MyClient/DGN/MyClient-dgns, folder?  While in MicroStation, how do I find and  open the files?

If I create a dimension style, where and how do I save it for just that client's WorkSpace/WorkSet? 

If I do create a drawing inside (or using) the WorkSpace, what happens when I send it to the client?  They will not have that WorkSpace.

I do not have administrative privileges but we don't have anything set up.  I see the value in it and I need to get something going.