I'm in the same boat - my comments section is a mess! I think some people don't enable the Name/URL option because of spam, but I'm not totally sure. I still get a ton of spam and I've switched up my options several times. You should be able to see more of what is available if you are familiar with the comment section of your dashboard. I've also heard of some people who download plugins to help get around some of the comment hubbaloo, but I'm not sure what they are using or if they work.