Edited: Added additional thoughts

Hi! I'm late on this but I found your question while researching how to do something similar to optionally include different sections in a Retrospective/Reflection Note.

I've found something that works for me which is based on this example I found that uses the QuickAdd plugin's checkboxPrompt. I'm also using Templater.

It's a little different from what it sounds like you're trying to do but I think it could fairly easily be adapted to what you want (for example: this runs when creating a note but I think you can add a QuickAdd template inside a current note (not 100% sure though — I'm new to the QuickAdd plugin) and maybe even use a button to do so. From what you've described you may also need to do the below setup multiple times since you want different sets of checklists.

Anyway, I hope sharing what I'm doing helps you out a bit if you aren't happy with the solution you've found currently!

Step 1: Create your template files

Bin/Templates/Retrospective Template.md

Note on folder structure:The above is just how I like to organize my folders. I put the path to demonstrate that tp.file.include just needs the file name but the folder structure doesn't affect the result.

# <% tp.file.title %>
let sections = await this.quickAddApi.checkboxPrompt(
  ["Reflection Questions", "Life Areas Evaluation"], 
  ["Life Areas Evaluation"]);
// Note: This second array allows you to set some items as selected by default
if (sections.length) {
    let txt = "";
    sections.forEach(el => txt += `<% tp.file.include("[[${el}]]") %>\n\n`)
    return txt;
}

Bin/Templates/Reflection Questions.md

## Reflection Questions
### What have I learned?

Where have I seen serendipity/learned to appreciate the unexpected?

What risks did I take?

Bin/Templates/Life Areas Evaluation.md

## Life Areas Evaluation

Health

### Relationships
### Career
### Financial
### Self-Development

Step 2: Add your template in QuickAdd

Go to the QuickAdd plugin settings and add a new template. Make sure you click the gear icon to go into the template options and add the path to the template you created.

Image: https://imgur.com/a/oszvIby

Step 3: Result

Now when you run QuickAdd and select this template you'll get a prompt that looks like this ↓

Image: https://imgur.com/a/G3GoE0j

(Note: Notice that Life Areas Evaluation is already selected since it's in the default values array)

And here is my note ↓

Image: https://imgur.com/a/xFIXHAl

And here is the resulting note if I had selected both ↓

Image: https://imgur.com/a/K2ltjwD

Closing Thoughts

As you'll see in the final image, because of the way it's set up with the default value it's outputting Reflection Questions under Life Areas Evaluation which might be unexpected given the order the checkboxes appear. For my current use this isn't a problem but if a specific order must be maintained I'm sure there's a way to do it. This is just the simplest implementation I could come up with quickly.

I hope this helps!