5
Have you tried Wfsection?
http://www.wf-projects.com It is still in beta I think, but it has the ability for users to edit their own content, but some minor bugs are still being ironed out, I think another bugfix release is due soon.
Or Xfsection, a clone of wfsection allows users to edit their own articles. No HTML allowed
I have a hacked version of wfsection (and spaw) for download at my site, I did this for a friend, users can only use the HTML wysiwyg editor for editing content. Allowing all users to submit using HTML might be a security risk.
http://www.macambridge.com/modules/mydownloads/