I think I'll edit this again
I've gone ahead and used the ODBC with a comma delimited text file. The CSV was created in Excel and saved as a .CSV.
Using the database emulation removes the leading zero from the zip code though. Have we seen this and / or have a solution for it? When saving the .CSV file from Excel I specified that column to be a zip code, and determined on my desktop that it indeed stays. Only when using this database emulation does it remove the zero. Changing the emulation back to a CSV returns the zero.