It would be great if we could put the top two layers into a group and then clip the group to the layer below. Unfortunately at present we cannot.
So your choices are a separate vector mask (which would need updating if you moved the lower layer)
Or a smart object containing the top two layers
You might want to add some feedback and comments to the ongoing request here :
Oh yes, ofcourse, smart objects could be used in a situation like this.
Thanks for the answer Dave :-)