With files in virtual folders it currently works like this: If there is no comment set but there is decript.ion at the folder of that file, the comment is loaded from there. So a VFS comment overrides comment from descript.ion. (I think...I'm not able to verify this right now)
that's also what i remember.
people, before you ask for a feature, check if it is already there

What I'm requesting here is to have an ability inside HFS to comment also files in real folders ..not only files in virtual folders like I can with the Comment feature.
ok, it will take not long to make such thing, so it is accepted.
you won't see it in 2.2 anyway.