How to do IF contains in Excel as part of nested IF

Morning! I'm working on the very last piece of automating pricing for a webstore and I'm very close. I want to have a different margin based on the category.

I need the formula to look in a category field, match one to a list of categories and return the highest margin multiplier. I already have a decently complex IF statement that's calculating price based on weight and the value of another field (Rules need [FIXED] at the beginning of the price).

Here is that IF

=IF(A2="Product",(ROUNDUP(SUM(Input!$D$2*'Product List'!R2),0)-0.01),IF(A2="  Rule",("[FIXED]" & ROUNDUP(SUM(Input!$D$2*'Product List'!R2),0)-0.01),""))

The field with the list of categories is AB. The categories are listed like below - just need to match one or more of them to the list of margin categories:

Category Field Example - Her;Her/Rings;Her/Rings/Bridal Sets;Her/Rings/Wedding Bands

Margin Categories to match -

Gold Sale Price is what needs to be returned for $D$2 in the original IF statement - return that value based on the matched category.

This can also be done in VBA if needed - I'm already using a VBA script to output a CSV file without any formulas for importing into the store.

Thanks!