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What are your hard rules about commenting?

A Developer I work with had some things to say about commenting that were interesting to me (see below). What is your personal approach/take on commenting?

"I don't add comments to code unless its a simple heading or there's a
platform-bug or a necessary work-around that isn't obvious. Code can change and comments may become misleading. Code should be
self-documenting in its use of descriptive names and its logical
organization - and its solutions should be the cleanest/simplest way
to perform a given task. If a programmer can't tell what a program
does by only reading the code, then he's not ready to alter it.
Commenting tends to be a crutch for writing something complex or
non-obvious - my goal is to always write clean and simple code."

"I think there a few camps when it comes to commenting, the enterprisey-type who think they're writing an API and some grand code-library that will be used for generations to come, the craftsman-like programmer that thinks code says what it does clearer than a comment could, and novices that write verbose/unclear code so as to need to leave notes to themselves as to why they did something."