In the latest iteration, tigeravator helpfully provided me this function....

=SUBSTITUTE(TRIM(IF(C2="x",C$1,"")&" "&IF(D2="x",D$1,"")&" "&IF(E2="x",E$1,"")&" "&IF(F2="x",F$1,"")&" "&IF(G2="x",G$1,"")&" "&IF(H2="x",H$1,"")&" "&IF(I2="x",I$1,"")&" "&IF(J2="x",J$1,""))," ","; ")
...that works as requested. This is a case of be careful what you ask for because you might get it. The C$1, D$1...J$1 are all column labels that are combined if there is an “x” in the field. The function also removes extra spaces or semi-colons.
The issues comes in when there is a column label that has two words in it. For example, if...

C$1 = Central Ohio & D$1 = NW Ohio

….the function generates --- Central; Ohio; NW; Ohio ---- instead of the desired --- Central Ohio; NW Ohio

Any way to fix this?