Build Automated Quoting Engine using Google Forms & Sheets (ArrayFormulas)

Overview:
I am looking for a Google Workspace expert to build an automated, asynchronous insurance quoting engine. The system will collect user data via Google Forms, instantly calculate complex insurance premiums utilizing Google Sheets ARRAYFORMULA structures, and automatically dispatch a finalized, professionally formatted PDF quote to the user via a Google Add-on (such as Autocrat or Document Studio).

The Core Challenge (Please Read Carefully):
I have a complex rate matrix (approx. 234 rows) that dictates the rate and deductible based on the Commodity selected and the Limit requested.
The system must handle requested limits that fall between defined tiers by defaulting to the lower tier's rate bracket (e.g., if the user requests a $45,000 limit, the system must dynamically pull the rate for the $25,000 tier).

CRITICAL ARCHITECTURAL CONSTRAINT: All mathematical and VLOOKUP logic must be implemented strictly using ARRAYFORMULA residing in the header row of the Google Sheet. Standard "drag-down" formulas will NOT be accepted, as they break when Google Forms injects new submission rows into the sheet.

Deliverables:

Google Form: Configured with specific fields, data types, and help text.

Google Sheet Backend: - A static tab for the Rate Matrix.

A dynamic response tab with header-level ARRAYFORMULA to calculate Total Insured Value, Match Rate Tier, Lookup Rate/Deductible, and Calculate final Premium.

Automated PDF Generation & Email: Setup of a Google Add-on (like Autocrat) to generate a PDF quote from a Google Doc template and email it to the user automatically upon form submission.