I desperately need to create a dynamic checklist tool

I have been researching this for over a day and I'm finding it very difficult to accomplish a task on my plate! I need to create a tool in Excel, that will allow a user to create a checklist from a series of "sub-checklists" to dynamically populate a final master checklist with only the sub-checklists that they need for their work. There are roughly 10 sub-checklists, each with between 3-15 tasks associated with the sub-checklist title. For example, one is called "Project Initiation" with subtasks, and another is called "Creative Development" with subtasks and my goal is to allow someone to select which sub-checklists, whether they be few, or many, for population in a final customized checklist that can be used to execute a project.

At present, I have one workbook with three tabs (attached):
1. Sheet 1, where I've used data validation to allow someone to choose Yes or No in regard to whether or not they need that checklist section
2. Sheet 2, where all of the checklists are located
3. Sheet 3, where I've taken images of each sub-checklist seperately because I saw somewhere that I could bring images in relatively easily (no!)

Ideally, the resulting checklist would be intuitive to allow for people who skip sub-checklists they don't need to not have a gaping hole in their checklist for where that content would have been, had they said "Yes" to needing the tasks populated. But, this adds more complexity!!!

Can this be done in Excel? I don't know VBA, but I can learn it with some direction - I just have no idea of what functions to use because there are 1,000 ways to do things and with all of the different nuances, I'm lost. If I'm crazy, and should really know more to be able to do this myself, let me know and I will see if I can bribe a developer....though this is incredibly unlikely so any/all help that anyone can provide will be GREATLY appreciated!

Thank you all!!!!
Carrie