well so far the above solution solved the malformed portion of outlook regarding newlines. to solve the problem of the embedded quotes i'm using...

    $line =~ s/(?<!,)"{1,2}(?!,)/""/g;
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basically just adds two quotes if it finds one, or two quotes that are not preceeded or followed by a (,) comma. This still won't solve a rule if there's one such as

"my address is ",320 main street" virginia". but in all honesty... how often is it going to happen? :) thanks for the help everyone.