This always worked for me
https://stackoverflow.com/questions/29642102/how-to-make-awk...
The frawk implementation (not quite POSIX, but extremely fast) and my GoAWK implementation both have an "-i csv" option that puts it in "input mode CSV". More here: https://benhoyt.com/writings/goawk-csv/
$ cat quoted.csv
"Smith, Bob",42
$ awk -F, '{ print $1 }' quoted.csv
"Smith # you want to print the first field: Smith, Bob
$ goawk -i csv '{ print $1 }' quoted.csv
Smith, Bob # that's better!
I resorted to pandas, where the CSV import has parameters for the thousands and decimal separators.
Also see AWK HN post from 2021 [1].
[0] https://earthly.dev/blog/awk-csv/
[1] https://news.ycombinator.com/item?id=28707463