CONC or TEXTJOIN multiple services for clients

Hello, I am trying to concatenate or text join cells based on three optional services that clients can accept: oil change, tire rotation and annual inspection. Clients' needs vary and they may have selected 0, 1, 2 or all 3 services.

This data is being plunked directly into a letter, so it also needs to be punctuated properly with commas if they want more than one service, and "and" before the last service (no punctuation if they just want one service).

I might be overcomplicating this. Is there a better way to reach the end goal without writing a giant IF statement? Example spreadsheet is attached.

Thank you,