Looking for ways to display forms within HTML elements

[eluser]Xeoncross[/eluser]
I am looking for recommendations on how best to place HTML form elements like inputs and textareas inside of CSS customizable HTML element lists.

Standard form:

Code:

<lable for="username">Username</label>
&lt;input type="text" name="username" value="" /&gt;

The way I want to do it:

Code:

<dl>
    <dt><label for="username">Username:</label></dt>
    <dd>
        &lt;input type="text" name="username" value="" /&gt;
    </dd>
</dl>

Or even like this to show help with each item:

Code:

<dl>
    <dt>Please Enter Your Username</dt>
    <dd>
        <label for="username">Username:</label>
        &lt;input type="text" name="username" value="" /&gt;
    </dd>
</dl>

Does anyone have any better ways of doing this? (Don't even recommend Tables - I want full CSS customization)