Hi @dmescia2,
as in all my answers i have to start with a question... a bit more questions in this case.
End user = AEM Assets User? Or are we talking Brand Portal / Asset Share Commons?
What do you use for your renditons: Processing Profiles; Image Profiles; Image Presets?
Second, i have not found my dream setting for this and hope somebody else will come in here and tell you.
OOTB - The Dynamic option seems to be as close as it gets to what you are looking for...
Here the user is able to make his own settings, and depending on your End User, they could also use the "Image Modifier" feature to change the background color etc. I say depending on the End User - my End User can not be convinced to study the options.
Here - with the checkbox Dynamic, you allow the User eather pick a preset or select whatever suits his needs.

But to be honest, I jumped in here because i think that this selection is not optimal but i had no chance to implement a better solution or even look for one. IMHO this dialog needs to have the option to open up a sub-selection to get what you are really want.
It should be possible to take certain system-presets (thumbnails etc.) out of this sub-selection. Nobody wants to download them.
Currently it is like that OOTB:
User: I want one Smart Crop please
AEM: HAVE THEM ALL!
User: Wow, there are a lot of them.. can i just have thi...
AEM: I SAID - HAVE THEM ALL !!!
User: ...ok. Then i would like to download two dynamic presets.
AEM: Dynamic Renditions work differently. You can't have multiple presets. Only one at a time.