Still seems far too clunky.

sub create_SQLprepared {
  my ($db, $table, @fields) = @_;
  $db->prepare(
    "INSERT $table (".
    join(", ", @fields).
    ") VALUES (".
    join(", ", ("?") x @fields).
    ")"
  );
}
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-- Randal L. Schwartz, Perl hacker