As you probably noticed, the officially included features don’t handle multiple OR’s.
The alternative is a very popular community created rules engine called CORE. It’s very powerful, and you can do all kinds of things with it, including a set up like the one that you describe.
Because it’s custom code, you have to use the author’s code and “Publish” it to your own account. After that, you will be able to access it from the SmartThings mobile app and you can set up individual rules, which core calls “pistons.”
Here’s the thread with the information about core
And another thread where community members provide Assistance to set up individual pistons.
It might be possible to also do this with the official features but it would be a really complicated set up to keep track of and Core is going to be the most straightforward, easiest method once you get past the initial installation.
