I don't think there are any skins that satisfy
all of your requirements, I'm afraid.
One of my skins might be a candidate:
https://jefftucker.jalbum.net/skins/mercury/sidecaptions/
But commenting by site visitors is not supported. For a site to be able to accept and store visitor comments, the album has to include
server-side processing. No jAlbum skins are constructed that way - they're all entirely
client-side, doing their processing in the browser, and a browser can't write information to the server. jAlbum widgets allow for commenting, but it's very rudimentary, and my skins don't support widgets at all.