Saving a file as a .csv will add the commas between fields when you view the .csv file in a text editor. If you want to include quote marks as well then you'd need to pre-process your data with a macro and add them.
However if you just want the string to include in your array formula then assuming the text strings are in B1, C1, D1.....etc then in B2 add
and copy across.
Now go the the last cell and copy the formula and paste back as values. All you need then do is remove the final trailing comma.
BTW, in your original formula the SUM bit is redundant.
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