Anything that requires multiple files to be passed around together is a non-starter. Even with just one file it's so hard for people to keep track of the 'current' one.
%csvddfVersion: 1.2
%delimiter: ","
%doubleQuote: true
%lineTerminator: "\r\n"
%quoteChar: "\""
%skipInitialSpace: true
%header: true
%commentChar: "#"
%mandatory: address name
%type: address:string
%type: name:string
%type: birthday:date
%type: telephone:number
address,name,birthday,telephone
177A Bleecker Street,Stephen Strange,1963-01-01
Or something like that, where everything up to the first blank line is the schema.For instance in a code signing situation it was socialized that only the archive was 'safe' and you used one of several tools to build them or crack them open. However that company was already used to thinking about physical shipping manifests and so learning by analogy worked, after a fashion.