https://tools.ietf.org/html/rfc4180
If I'm going to mangle CSV into a non-standard form to conform to whatever Excel expects, I might as well go the extra mile and just provide an XLSX file.
That was my solution to a data-export function in an API (it switches on the HTTP Accept header). It now offers a choice of CSV (RFC 4180), ODS, and XLSX, and people can just pick XLSX if their Excel is using one of its broken locales.
It's not too hard to generate the XML for ODS (OpenOffice/LibreOffice etc.) and XLSX (Excel) from a bunch of tabular records once you've set up minimal empty template ODS/XLSX files to inject it in. It's certainly less work than explaining to Excel users that their software is broken and how to work around it.
That said, ODS was much easier to get working.
sep=,
My experience is that Excel 2007 and later will correctly parse the file and use the specified separator. However, other software, such as Google Sheets, will simply render the declaration as-is.
Then there's the issue of what character encoding to use to encode the file, whether to include a byte-order-mark with UTF-8 to make Excel recognize the file as UTF-8 and the effect that has on whether the separator line is recognized (spoiler: it isn't).
Here's part of the documentation I wrote for Calcapp's CSV exporter, which digs into these issues in more detail (Javadoc):