<p>Are there any free tools for scripting MSSQL table data?  I'll gladly write one, but am hoping it's been done, and the app matured a bit before/</p>

A quick google and hop pointed me to a Stored proc that should be able to help you. Look at
My code library
more specifically the file
generate_inserts.txt
to see if it can help you.
Not really a tool, but the start of one! :)