The trick is that comment users are treated so much differently than Posts users, which is definitely understandable. I just wish that the two were a *little* more alike.
If a user is logged in and posts a comment, it actually records their user id, so I could code to check against the user id, if it’s greater than 0, it’s a person with an account. The problem with that is if a person with an account happens to post without signing in, it records them as having a user id of 0, even if the email addresses are the same. (Which, bothers me, sorta, because it can allow people who aren’t that user to post comments as them as long as they know their email address, admittedly, the comment still has to be approved, but it just seems to be a big hole in security.)
There is a function: email_exists() that would solve the problem, but it is only live on the user and registration pages.
So for now, until some things change, I think the solution is to check and see if the user id of the comment is greater than 0, and just make sure all my users know to log in BEFORE posting comments.