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my $sql   = "insert into foo values (?,?,?)";
my @binds = qw/alpha beta gamma/;
...
    $sql  =~ s/\?/ $dbh->quote( $binds[$i++] ) /ge;
}
# "insert into foo values ('alpha','beta','gamma')"

my $sql   = "insert into foo values (?, ?)";
my @binds = ("Huh?", "What?");

# correct:  "insert into foo values ('Huh?', 'What?')"
# mysqlPP:  "insert into foo values ('Huh'What?'', ?)"