>The other problem is that some of the data was encrypted...so I'll see an error
>like "XML Parse error: An invalid character was found in text content. Line 11933, Position 24," - then says the field name and the encrypted jibberish that's there.

The field needs to be marked as NoCpTrans, i.e. binary. Then cursortoxml() will export it as base64, no weird characters, and no error at xmltocursor().