Hello, @elkewordpress!
It is not necessary to have different login for each record. Here’s how the process works.
1. Your website visitor registers to your website. They receive a username and password.
2. They sign in to your website anytime, using the same username and password. So technically, they become a member of your website, just as users on Facebook, or Twitter.
Please note, that the two points above are not controlled by Form Maker plugin or Save Progress add-on. Your website theme should have Register and Sign In pages.
3. After the user signs in, and opens the page of Form Maker, a new button is added next to Submit button. It is titled Save. They can use it to save the form without submitting it.
Would you like me to set up a test form with Save Progress add-on, and also register a temporary user, so you can look around and test the add-on?
Thanks! Have a wonderful day!