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That's okay, Quizmonster, you are forgiven for not having picked up the scent of my perfume ;-)
This quote was really just an example. I could construct another example - where the comma cannot be removed - but so could you, I know, so I'll just skip that step and be observant of whether different writers place the comma inside or outside the quote marks. It may turn out that praxis differs simply depending on whether the writer is American or English, as you suggested in your first reply.
In my own writing I will until further notice place the comma outside, jno will be pleased to hear (and crunshiepunc will be tickled pink, no doubt.) Your knowledge is highly regarded "in my book", Quizmonster, so I really do suspect the answer could lie in the American/English abyss, just as you say.
Thanks, all!