Having never done this I couldn't think of an identifier that would do this. The idea that did come to mind would be, if these are custom files, put a marker in the file. For instance, in the variable file, have a variable in it. "%varfile $true"
If it returns $true, then the file is loaded. Same with users. You can use $ulist to check for an entry in the file.

Sorry I'm not much help. I have always used the one variables file and I don't use mirc user levels.