Using a combo of masks and rules

[undeath]

That's pretty much how you have to do things with masks. Note that custom charsets support all the included charsets as well.

Instead of
abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ0123456789!#$&-'"
you can use
?l?u?d!#$&-'"

For generating more complex hcmask files have a look at policygen from PACK: https://github.com/iphelix/PACK