Too true :)
I guess I thought there would be a simple answer to the original question.

UPDATE
Let me make sure I understand what you are saying.

I can easily download my data with no quotes in the form...

id,name,address,etc

Now I upload this same data using something like this...

my $sql = "INSERT INTO tablename VALUES(?)";
my $sth = $dbh->prepare($sql);
foreach my $record (@filedata) {
    $sth->execute($record);
}
[download]

... and I don't have to worry about quotes, etc.?