I would not worry about any hazard since the entire circuit is supposed to draw few milliamps or less. Plus, only one battery is to be installed at one point, and when it is to be installed or change, the user MUST power off, take all batteries out, do the switches as he needs, then install the battery.
On the other hand I have found there exist this type which is what the op is looking for:
https://www.digikey.com/en/products/detail/c-k/SS-24E06-TG-5-P/2747191
well, i saw that before but it is out of stock and does not seem to be a good active part... digikey stock update says something like in april will get many quantity. i will see.
however, I found a simple solution of just 2 switches: SP3T + SPDT
SPDT SW: controls charging speed, connects resistors for either 20mA or 200mA.
SP3T SW: connects the following to the final charging point:
- CR2032 positive terminal + diode
- ML2032 positive terminal
- Li-ion battery positive terminal after protection circuit + LDO + diode.
now the "Li-ion" is either 18650 or LIR2032, each has its own connector and they are shorted together since only one can be used. ML2032 passes as it is directly to the charging point.
So for LIR2032, user must select "Li-ion" option in SP3T and "LIR2032" in SPDT... and so on.
I know it is kinda complicated since I am the only one who knows the product since I designed it... but you get the general idea. still not final tho