I pretty much think you have answered your own question. Try out some other gyms and find a good well rounded Xcel program, that fits what your looking for. Just because she does Xcel this coming season, does not mean she can't do optionals in the future.
My daughter is Xcel Platinum and qualified to regionals. She did not make the state team. I was sent a photo of the region 8 leotard, and would like to buy it! Is the region 8 leotard just for state team, can I buy it at regionals? How does this work? Our gym has never mentioned a region 8...
My daughter has one from Z athletics, it was around $100, very nice quality, it is a steel bar. Don't know if that makes a difference for you or not. my daughter is WAG, and even though she doesn't use a steel bar, she still likes it a lot!
So you have a decent amount of skills, and it totally is possible if you just work over the summer! Here are the skills you would need for level 5. Personally I think that would be a good level for you. But you would have to score out of level 4.
Level 5:
Vault: Front Hand spring
Bars: Low bar...
She still has states left so summer training hasn't officially started, she does go to a XCEL only gym. But they have said in the future they might offer 6 or 7. We tried out for another gym, but said she was too old for optionals. :(