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sqlite3.exe export with bom
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It turns out that Excel on Windows interprets CSV files as if they were encoded
using some codepage unless the file begins with a UTF8-encoding BOM 
(0xef 0xbb 0xbf).
So if your CSV file contains some text fields that have non-ASCII characters
in them, Excel will mangle them.  I verified this experimentally.

This seems to be an Excel-only thing.  Other spreadsheet programs I tried
always assume UTF8 for CSV files.
On the other hand, every spreadsheet I have access to was able to silently
ignore a UTF8 BOM at the beginning of the file.