Need help with a challenging lookup/match type of situation

I don't think a look-up is the answer but its the best way to describe what I'm trying to do.

Basically:
1) I'm allowing a user to create 10 rows of possible criteria combinations. Those combinations are being used to group a large amount of data. They can choose 1, 2, 3...etc.. or all 9 fields to filter. Only criteria combinations with at least 1 field chosen will be used to match against, if none of the 9 fields are selected it will be ignored
2) Depending on their selection I need to create a formula that will look at the 10 combinations and assign the correct "MATCH" number. Where it gets complicated is that if they don't choose a specific field in the criteria combination, I want it to assume all records in that field are a match.
3) Anything not matching one of the 10 combinations will show as "N" for no match.

I'm attaching an example to help illustrate it. I really appreciate anyone's expertise on this. I've tried every formula I can think of and several options on the web. Am I over thinking this?

Many thanks... Jay