Basically I need all levels to be independent, but available to be exclusive. (ex: I will have one level that's all-inclusive, and another that's exclusive to the others but includes a few of the other levels)
I need to reproduce this:

The easiest way (not including modifications to the membership/cancel pages. Billing for each membership can remain separate, btw) would be if the Restriction Options page could be made to say "Categories that Level x Has Access to" instead of "Categories that Need Level x or Higher." Then the categories specified would have an implicit deny rule for all others not explicitly granted access. (similar to how a network firewall works)