Ok, I\'ve read a couple books on XML and wrote programs to spit it out and what not. But here\'s the question. Both a comma delimited file and a XML file are \"human readable.
XML will describe the content and also has a ton of supporting libraries in a variety of languages... but it can be bloated. If the receiving end of the csv is aware of the layout and it is tabular, I don't see anything wrong with it.