Reduce comment spam with option to eliminate clickable links

In the discussion settings I choose “Hold a comment in the queue if it contains 1 or more links.” But I still get spam, always with a link in the website field. The whole point of posting spam is to post a link to a website. So I think it would be a huge advantage in dealing with spam if the option of holding a comment in the queue applied to the name, email, website, and comment fields, with a note saying that the comment would not appear immediately if a link was included. I think it might be helpful if there was an option for a web address to be added that was not clickable. Posting a clickable link is probably not essential to adding a comment for many websites.

If the above is not a good option, I noticed another thing that would probably help. Spammers like to put keywords, like “car insurance” in the name field. I can imagine a legitimate comment including the words “car insurance,” but I can’t imagine that being the name someone would use when posting a legitimate comment. It might be helpful to have a separate comment moderation box for words like “car insurance” that applies to the name, email, and website fields, that doesn’t apply to the comment field.

Thanks!