Electrical – Where does the power supply current return

I think you're on the right path, a couple of notes,

1) With a signal trace between two planes, the return current will split between the two planes, even if one of the planes is split. The return current cannot "see the future" and decide ahead of time which plane to return on. It will return above and below the trace until it sees the split at which point is says "oh crap!" and pays you back by possibly causing you to fail FCC testing. So you want to avoid running traces over plane splits even if another adjacent plane is not split. You can deal with splits with capacitors and such but this type of solution is less than ideal. I'd focus on always avoiding running a trace over a plane split on an adjacent plane.

2) Wide return paths on DC signals don't really matter.

3) You asked about two signal layers sharing the same plane. Usually, this is not a big deal if done properly. What many people do is use one of the layers as a "horizontal" signal layer and the other as a "vertical" signal layer so the return currents are orthogonal to each other. It is very common to route two signal layers for each plane, and use this horizontal/vertical technique. The most important thing to remember is to not change reference planes. Your setup could be a little tricky because going from the bottom layer to the 4th layer adds another return plane. More typical 6 layer boards are

1)ASignalHor 2)GND 3)ASignalVer 4)BSignalHor 5)POWER 6)BSignalVer

If you need smaller additional planes, like under the micro, these would usually be placed as an island on one of the signal layers. If you need to use more power planes, you might want to think about going to 10+ layers.

4) Plane spacing is important, and can have huge impact on performance, so you should specify this to the board house. If you take the example 6 layer stackup I mentioned above, spacing of .005 .005 .040 .005 .005 (instead of standard stackup with equal distance between layers) can make an order of magnitude improvement. It keeps the signal layers close to their reference plane (smaller loops).

I'm not sure that I know the best way to build the board, but I know what I would do.

1. The location of the 12V-to-5V regulator, whether linear or switching, will not matter. The corner of the board is fine.
2. I would not bother with filling either top or bottom of the board with ground planes. The impedance of the signal traces is defined by the internal planes, not the extra copper you pour on the outside. The extra coper isn't shielding internal signals, all that is underneath are power and ground planes. Instead, connect ground and power pins of components directly, as close as possible to the pin, to the planes.
3. Don't share power and ground vias between different devices. One via per pin minimises noise on the pin and routing distance to the ground plane. If you are so worried about the manufacturing price that a few vias are going to be significant, you must be shipping in very high volume, so you can prototype a dozen different layouts to optimise it. If this is a one-off, the biggest cost risk is that you don't get it right first time, so be conservative and use lots of vias.
4. Put a via by every component ground pin (not necessarily every component signal pin that happens to need routing to ground). Minimum noise on power and ground planes comes from effective decoupling. High frequency noise is minimised by using physically small ceramic capacitors and keeping the power and ground vias close together - underneath the capacitor, if possible. The cross sectional area of the loop from power plane up through via to capacitor, along capacitor and down through via to ground plane, places the lower limit on how effective the decoupling is.
5. I would definitely not put any splits in the ground plane. Instead, if there are analog signals sensitive to noise, I would not route digital signals close to them. I would try and keep those sensitive analog signals just on the top layer if possible, no vias to the bottom at all. If I can isolate an area of sensitive connections all together on the top layer, I would route a single loop of trace all round there on the top layer, and connect that loop at one point with a via to the ground plane. That approach has worked well for me in the past with very sensitive signals.

And finally: it is conceivable that some clever technique of sharing ground connections might help noise in the analog wiring, but you'd need to know the exact circuit and think very hard about it to be confident. These rules of thumb have worked pretty well for me.

Good Luck!