<p>I put the comma outside the quotation mark. Why? Because I think the so-called rule is stupid: saying “this,” inserting a clause, is better than saying “this”, inserting a clause, for what reason? None. It’s just because. The rule should be that quote marks go inside when that is useful for clarity and outside when that is useful for clarity. </p>
<p>This kind of rule seems to be related to typesetting rules and nothing more.</p>
<p>As a kick, I looked up some grammar pages to show the issue. Here are examples:</p>
<ol>
<li>I got three “Bs” and an “A”. Punctuation outside.</li>
<li>The poet refers to the graveyard as “dismal,” “heartbreaking,” “sleeping,” and “fat.” Punctuation inside. Why? No reason. Just do it that way. Why is the “A” different from “fat”? No explanation.</li>
<li>The man said, “Stay away”; I backed away carefully. So some punctuation generally goes outside anyway.</li>
</ol>
<p>So you have to think about whether a reference requires the punctuation inside or outside except when the rule is it generally is outside and then you have to think about whether it belongs inside. </p>
<p>These kind of rules are idiotic. If you read old work, you see punctuation usage changes dramatically with time. Commas used to be, so common, it was obvious they were, for pauses in reading aloud. They were, sometimes, also, decorative in typesetting. That is one reason why the comma in the 2nd Amendment is so humorous: we try to read it as it was meant in an era when people tossed commas, about, like, candy. And now the trend is to remove as many commas possible so “the dog, the pig, and the cow” is now “the dog, the pig and the cow” and sentences that used to contain appositives like this no longer get commas. That last part might be “sentences that used to contain appositives, like this, no longer get commas”. And note I put the quotes inside the period. Why? Because the quote is within the sentence and isn’t the sentence itself. What if the sentence continued but I lopped off words. Putting the quotes outside the period would indicate the sentence was complete, which would be misleading, while putting the period outside shows that is the end of the quote itself.</p>