If you are on SQL 2017 or later, you can use the FORMAT option:
BULK INSERT csvtable FROM 'C:\Temp\YourFile.txt'
WITH (FORMAT = 'CSV', FIELDTERMINATOR="|")
For older version, you will indeed need a format file. And you will most likely to craft it by hand. If all columns are quoted, it's a fairly simple copy-paste affair. The trick is that you will need 81 fields in your format file, where the first is terminated by a double quote only This field needs 0 for the target column.
If only text columns are quoted, you will need to go through the format file more closely.
If text columns are quoted only when needed, you lose.
For more details, with examples how deal with quoted input, see this article on my web site about bulk load: https://www.sommarskog.se/bulkload.html.