Lowering the threshold is probably not such a good idea, given the spammers out there.
I've seen, originally deleted (converted to comment) one of your "commentary" answers and later restored it after you edited it and fleshed it out a bit. It's still not necessarily and excellent answer, but better than some I've seen on RE.SE.
I totally understand your issue and I've wished a few times myself I could somehow enable new contributors to add their insights by way of comments. While this is a Q&A site (as pointed out by multithr3at3d) and not supposed to be a discussion forum at all, comments often help to gain a perspective of what the inquirer is asking about or help to give hints in a direction that may be beneficial to the inquirer but either not quite on-topic or not comprehensive enough as an answer. So I see value in comments.
That said, there's a policy about comments which you should be aware of. Comments are deemed totally volatile. They can be removed at any point and without notice. So if you have actual insights that are on-topic, if not spot-on for the question on which you want to provide them, it's sometimes better to post them as an answer. You have a lot of leeway in how you frame your answer to make the connection to the question clear, so this would be one route to take.
Other than that - and given my remark about spammers at the top - I'd also suggest you look at the unanswered questions and see if there is anything where you can provide an answer and thus "fast track" your way to be able to comment. You can track your progress in your profile and see all available privileges here.