Re: I must be missing something...
The additional problem with CSVs and Excel is regional formatting, because a lot of times a CSV gets exported under one set of local settings and then opened on another computer with different ones, such as reversed decimal and thousands separator (probably more prevalent in the Balkans, where half the computers run with US settings and half with local, but any large international cooperative is likely to bump into something like that).
How about the field separator? About half the world uses "," and about half uses ";", with the remainder using more exotic characters. Luckily this one can be worked around using a non-data header line specifying the separator.