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DO YOU HAVE TO SET A PRIMARY ROLE OR DOES THE ROLE WITH HIGHER PERMISSIONS AUTOMATICALLY SETS THE USER'S PERMISSIONS LEVEL? WHAT'S THE BENEFIT TO SETTING THE PRIMARY ROLE?

This would be done if user has multiple roles for the same center.

So, if user is assigned to more than 1 center roles and there are string based settings within (like in case of Control Center) then the exact setting value is taken from primary center role. UA allows to set primary center role (it is marked in bold in the roles assignments list). Primary role is always specified.

It is possible/by design that a user can have multiple center roles.  

In the case you note below, the user would have both Investment and Mutual Funds.

In the general case when user has permissions to multiple roles in a Center, the higher permissions prevail.

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