Well first of regarding the stackup. There are some EMI guru’s, including Henry Ott, who have talked about putting the power and ground planes on the outside layers for a 4 layer board. It supposedly can be helpful to shield your inner layers from the outside noises.
PCB Stackup - IntroductionPCB Stackup - Four-Layer BoardsIt does have practical implications though (you already mentioned one) and implications on board signal routing.
The biggest issue in practice is access to your signal traces. Troubleshooting can be challenging. You will also find you have many more via’s when using SMD components, as you need them to get your signal traces to the pads. In that case you need to be careful that you don’t get slots in your ground plane where it needs to pull back from multiple vias.
When it comes to any electrical signal, whether voltage/current, high power/low power: as soon as the frequency content gets above say 1kHz, the return current likes to stay under it’s ‘send trace’. Which is very helpful for us designers: the better the send and return current couple to each other, the less they present problems to neighbouring signals and circuits. Hence the importance of the ground plane. Especially digital signals benefit from this as the edges produce frequency content into several MHz or 100s of MHz depending on the rise and fall times. So whatever you do, make sure you route those signals directly next to your ground plane.
Also, contrary to many design notes it is definitely not a good idea to split the ground plane into a digital and an analog section. The best way to get good separation and keep signal integrity / noise performance is to keep one solid uncut plane. Instead in your layout create ‘zones’ for each circuit part, similar to how a city might be planned.
• Put your digital section close to the power supply. This way any residual nose on the power rails won’t cross other parts of the board.
• Put you analog section further away. The most sensitive parts the furthest. Make sure not a single digital signal crosses the analog ‘zones'.
• Make sure input and output connections to off board wires are all on the same side of the board for the same signals. Keep the input connection to a signal close to its output connector. A good layout can be ruined by having an input on one side and an output on the other side. Any noise coupling into the cables and entering the board will most likely travel all across your board. You don’t want that.
• As for connections, if not shielded, provide filtering first right at the connector. Pull the ground plane a little back so the signal gets to the filter without coupling to the ground plane.
Incidentally you can consider using two ground planes instead of a power and ground plane, see the 2nd link above.
In this topic I linked a few resources that might help. Especially the first webinar is a good and relatively 'quick' overview of the matter involved.
Hope this helps