The rule of commas: inside or outside the quotation marks?

I was once asked by a client whether a comma following quoted material should go outside the quotation marks. Doesn’t it make sense, for example, to put the comma outside when one is listing items: My favorite Green Day songs are “Holiday”, Jesus of Suburbia”, and  “St. Jimmy”? I found myself mulling the question, but then looked in both the Chicago Manual of Style and the Gregg Reference Manual and found the same rule stated very succinctly in both: “Periods and commas always go inside the closing quotation mark. This is the preferred American style.” [CMS, 247] Confusion is understandable, however, as the British rule is to place the comma outside the quoted material, on the grounds that (as in the example above), it is punctuating the whole sentence and not the quoted material.