When I have quotes that are not in an attribute do I need to encode them using "?
Which is correct? Exhibit A or Exhibit B?
Exhibit A
<boat>
<name> Bertha </name>
<description> Good boat. 10 feet long. "Fixer-upper"</description>
</boat>
Exhibit B
<boat>
<name> Bertha </name>
<description> Good boat. 10 feet long. "Fixer-upper"</description>
</boat>
Both of your examples are valid.
You only need
"inside an attribute value; a"character would close the attribute early.