The idea is that the program that creates the file adds that line at the top. If you're downloading CSV files from websites then ideally they should already have that line.

If they don't then what you could do is create a simple script that just adds that line, and Excel will open the files without you having to hassle with making sure Excel interprets them correctly. Of course that's a bit more challenging if they use different separators, but you might be able to find an easy adaptation for your usecase like making a decision about which delimiter to declare based on the filename. Or you could try to analyze the header row to figure out which delimiter to use based on that.