From my understanding there is no way to create Array-type questions without using a Label Set. And Label Sets are global to the site. Therefore, if the Label Set doesn't exist I need to give my researchers access to Create / Edit Labels. This creates some problems:
1. Users create SO MANY label sets that the list of existing label sets becomes functionally useless because it is impossible to find one that works for you (due to poor naming convention and overly specific label set creation).
2. A user may edit and change a label set that another user has in an active survey thus invalidating his results.
(This issue is addressed in another solution:
http://ideas.limesurvey.org/ideatorrent/idea/15/)