I wanted to expand just a bit more on re: the points you made.
Calling out an author of the post which is very bad form. This isn't a forum like Reddit or Disqus. You can be 180° from another answer and that's perfectly fine, but focus on your answer and why it's the correct one.
Secondly, focus on your answer to the question, not a rebuttal or voicing support to other answers. Again, this isn't a forum. This is what voting is for and why it's important; up/down vote as you see fit.
I've never posted anything on Apple SE, and therefore, don't have enough reputation to post a comment. I've seen countless "can't comment because reputation not enough, so posting as an answer" posts across the whole SE network, one example of which is even from my own question. Yet somehow my post on Apple SE isn't permitted. This double standard is ridiculous.
First, while you see this as a comment, it's actually a better answer than the highest up voted answer. That said...
S.O is a different community and what they do/don't do over there has no relation to what we do here. Pointing to behavior on one site to justify the behavior on another is not a justification. For the record S.O has the same guidelines we have; we can't speak to why they allow comments as answers and the frequency in which it happens.
Commenting on other peoples post is a privilege that's earned! This is done for a reason - the expectation is that the user become acclimated to the sites norms before engaging with users answers in a very public way. Why? S.E. Meta answers this question: Why do I need 50 reputation to comment? What can I do instead? The idea is for new users to gain experience before commenting so that you're participating in a meaningful way.
But what if your comment is a good one? It probably is. It's just the hurdle you have to jump over to earn that privilege.
Finally, we welcome everyone and want everyone to participate. That said, folks need to keep with the established set of norms and rules otherwise things become chaotic. I'm absolutely positive you have valuable insights to share and we want you to do so.
So, to get the most out of this community and to have the best experience, I always recommend that new users take the Tour because it will help set your expectations as you acclimate to this site..