Answer: It Breaks the system
I altered my system settings to test this problem out:
I found out that Microsoft does not know how to handle this.
My original data was:
After I saved the data, it produced the following ambiguous data file:
Sure enough, when I tried to open the file back up, it had screwed it up:
This shows that the CSV standard fails in the case that the chosen delimiter is a quotation mark and the actual data contains quotation marks. This means the windows operating system should probably disable the user from selecting this as a quotation mark, or change the CSV standard so that in the sole event that the quotation mark is chosen as the delimiter, it uses replaces the escape character (normally a quotation mark) with some other character.