The actual workable answer, that removes the leading quote, is to :
A) generate format file with bcp :
bcp db.schema.tabel format nul -c -x -f file.xml -t"\",\"" -r"\"\r\n" -T -k
B) edit that file to manually copy field 1 to field 0 above, as the first field, set Max_Length=1 and remove the separator and one quot the was in field1
<FIELD ID="0" xsi:type="CharTerm" TERMINATOR="\"" MAX_LENGTH="1" COLLATION="SQL_Latin1_General_CP1_CI_AS"/>
The trick works, as you are adding a field (interface to the file) to detect the first seprator, which results in an always null-value, but not add a row (interface for the query output).