Both bcp and isql can create rows where columns are separated by tab.
This typically suffices for exporting to excel etc.
You can also use some other character like '|" pipe symbol or "~" tilde etc. to separate columns. When you import in excel you can use that as a column separator.
For bcp use character mode output, tab is default column separator.
For isql space is the default column separator
If you want to use different column separator (e.g. "|" ) then
for bcp use -c -t '|' option
for isql use -s '|' option
Output of isql and bcp can be directed into a file. Similar to what you describe above.
You can also easily script wrappers to accept server, database and table/view names to run for a specific purpose.
HTH
Avinash