Travis Crump wrote:
...  Going through it in my mind, I pretty much treat it as any other 
list, dropping every 'and' but the last one.  Put another way, say 
you have 'One thousand women, 3 hundred men, and 46 children'.  How 
many people do you have? 'One thousand people, 3 hundred people, and 
46 people'.  Factor out people so that you only say it once and you 
have 'One thousand, 3 hundred, and 46 people'.
Hmm.  I never thought of it as a list, but you might have something
there.
To me (USA), "223,456" to me would be "two hundred twenty three
thousand four hundred and fifty six"; "123,000" would be
"one hundred and twenty three thousand" (or "a hundred and
twenty three thousand"); for a check for $123.45, I'd write it out
as "one hundred twenty three and 45/100 dollars."