SO is distinguishing between replies which are comments and answers.
Yes, SO has a very strict format, sometimes stiflingly so. Although the original SO site isn't that bad, I'm a regular on a number of other StackExchange sites where people are regularly admonished "don't post answers as comments" and any comments which don't strictly fit the purpose of "helping to improve" the question/answer they're attached to are rapidly deleted.
Posts are HTML formatted. Put <p> </p> tags around your paragraphs. Put <code> </code> tags around your code and data!
Titles consisting of a single word are discouraged, and in most cases are disallowed outright.
Read Where should I post X? if you're not absolutely sure you're posting in the right place.
Please read these before you post! —
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See Writeup Formatting Tips and other pages linked from there for more info.
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