Just a comment on the comma delimited issue, i am no PERL or XLM person, but if you delimit with | instead of commas, your , and " issues go away and very rarely do people store | (pipes) in their data fields.

i just finished migrating 200GB of company wide data and ran across 3 homegrown tables (out of over 4000) that actaully used | in a record, and oddly enough it was a table describing delimiters!!

hope this helps.