You are right in the respect that sometimes the underlying concept can't be understood clearly from comments -and your method could suffice. I didn't mean to imply that comments are always the best thing imaginable one can add to his code. That is far from true. However, in my years of coding I have found comments to be very helpful.
I have used plenty of debuggers and some are better than others; however, claiming I have a lack of experience is ridiculous. Especially claiming I have the experience of some egghead Wall Street ?quant?(I've never heard of that word). You do not know me, you have never seen my code, and you most certainly have never seen me use a debugger. I wouldn't be so quick with those assumptions yourself.