So, after looking at Cato's card and the Exilii benefit, I don't think this is quite accurate. It reads: "Any cohort that includes Cato and does not qualify for any other benefits may use the Exilii benefits." The way I'm reading that, if you have three Legio gladiators plus Cato they would NOT be eligible for Exilli since they also qualify for the Legio benefits due to the 75% threshold. But if you had two Legio, one Zephyri, plus Cato you'd be OK because you don't have three of four from the same ludus. Does that make sense?
Yep... I get it now too. I read it as "and you do not choose another benefits card", but you're right, it says that if you simply have the option of being another ludus, then you can't be exiles.
Which is kind of harsh - it means you need to know all other ludus benefits cards in the game before you know whether you can be exiles!
Not a real problem in practice at the moment, but could be weird in the future if more altenative ludus benefits are released. Like, I could make an exiles cohort today, and if RRG release a new ludus benefits card in the future that my cohort happens to qualify for, then I am no longer allowed to have them as exiles...