>I'm sorry, I did not appreciate that you are building this from .NET - is there not a similar function to XMLAdapter in .NET (I haven't done anything in .NET)?

Yes, this is what I do as well. However, I think that with your approach, I would be able to get rid of the schema copy of each table I need to update. Basically, from the master table, I could get the schema, add that on top of the XML, do a few changes and XMLTOCURSOR().