I recall seeing an article that explains in depth which workflow contexts and script contexts (both client and user event) work in which order. I can't seem to find it now (when I need it!)

I have found this article:

Execution Order of Scripts and Workflows (custhelp.com)

Which simply says:

 if both the script and the Workflow is to set a value to the same field, the value that will be set to that of the field will be the value coming from the Workflow.

My problem is not workflows / scripts trying to update the same field, but the dreaded 'record has changed' error. I have 3 or 4 User Event Scripts running 'after submit' - and I assume (based on the Scripted Records page) that these are processed sequentially. There are also some 'after submit' actions on the Workflow.