Combine Users in Userlist IF Formula

To populate a userlist, while using an IF formula to determine whether to pull those users into the userlist, is it possible in one formula field? I want to add the users into the list if Their section meets the criteria, obviously a regular IF statement just ends after the first being true, and skips over the subsequent ones?

For example:

If([Section01]<>"Complete",ToUserList([Assigned001],[Assigned002],[Assigned003]),
If([Section02]<>"Complete",ToUserList([Assigned004],[Assigned005],[Assigned006],