Having special characters is a good idea but having a comma just to break a CSV is dumb. This would only happen if the hacker used a bad exporter or created their own (very poorly).
AFAIK it's only "ambiguous" in the sense that if you get a csv file you can't determine the exact parsing behavior to use, but if you know what program created the csv (or what encoder options were used), it's not ambiguous to parse.
>but things get really hairy really fast when you start adding types or BLOBs in the CSV.
AFAIK BLOBs are hex encoded, which make them a non issue.