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I am using MyDAC 4.00.0.1 and MySQL 4.0.23-nt on WinXP.
In my database I have a table defined as following:

CREATE TABLE test (
field1 float NOT NULL default '0.5'
) TYPE=MyISAM;

The following code in C++ Builder 6.0 :

MyQuery->Options->DefaultValues = true;
MyQuery->SQL->Text = "select * from test";
MyQuery->Open();
MyQuery->Insert();

produces an exception with message:
''0.5' is not a valid floating point value for field 'field1''.

Is there any way to solve this problem without changing the system decimal separator?

Thank you for information.
We reproduced your problem and fixed it. This fix will be included in the next MyDAC build.