If I understand you correctly, you want to do something like this:

test_l.cfg

%config = (
    'proceed_with_x' => '( ($option1 && $option2) || $option3 )'
) ;
[download]

test_l.pl

#! /usr/bin/perl

use strict ;
use warnings ;
$|++ ;

our %config ;
do "test_l.cfg" ;

my ( $r, $option1, $option2, $option3 ) ;

# Case 1: Should pass.
( $option1, $option2, $option3 ) = ( 1, 1, 0 ) ;
$r = eval qq[$config{'proceed_with_x'}] ;
print "Case 1: " . ( $r ? "PASS" : "FAIL" ) . "\n" ;

# Case 2: Should pass.
( $option1, $option2, $option3 ) = ( 0, 0, 1 ) ;
$r = eval qq[$config{'proceed_with_x'}] ;
print "Case 2: " . ( $r ? "PASS" : "FAIL" ) . "\n" ;

# Case 3: Should fail.
( $option1, $option2, $option3 ) = ( 0, 1, 0 ) ;
$r = eval qq[$config{'proceed_with_x'}] ;
print "Case 3: " . ( $r ? "PASS" : "FAIL" ) . "\n" ;

__END__
[download]

_______________
DamnDirtyApe

Those who know that they are profound strive for clarity. Those who
would like to seem profound to the crowd strive for obscurity.
            --Friedrich Nietzsche