Rust has a strong emphasis on strongly typing constraints. So if a collection of fields are always some/none together having them listed as separate options in the struct means there is some assumptions you are making that the type system isn't aware of which can lead to pain and bugs in the future.
I agree that separate types with Into sounds like a nice solution to me, it would be good to see the error the compiler is giving you (or if you can a minimal reproducible repo). If you absolutely can't make it work, a single Option<Inner> at least would be more correct as all the fields on the inner struct would be optional together.