Our company operates with three different divisions (retail, wholesale, trade) with each division having different client types but covering the same geographic regions.  I am looking to divide up our CRM efforts by client type.

1. We are looking to set up a hierarchy in which those with role of CEO (or similar) are able to see all data (Accounts, Contacts, Leads, etc) but will easily be able to view/sort based on which division the data belongs to.

2. We need to have different layouts and fields for the three different divisions when working within the various modules.

3. We need to be able to easily report separately on the three different divisions.

My question is, which combination of features should I be using to accomplish this?  Should I be working with Users/Groups/Roles to accomplish what I want or will setting up each Division as a Territory allow me more control and functionality?

Any helpful input greatly appreciated!