Sorry you’re feeling the struggle. That’s all very do-able. Here’s a quick example to get you started:
AND(
OR({field1}="received",{field1}="not needed"),
OR({field2}="received",{field2}="not needed"),
OR({field3}="received",{field3}="not needed"),
OR({field4}="received",{field4}="not needed")
)
That should automatically return 1 or 0. If you end up wanting to use words instead of digits, you could put that whole thing in an IF block like this:
IF( all that stuff you just saw, "some word", "some other word")
Best of luck!