Welcome, Pilgrim Roy. I think you'll find SwordSearcher absolutely amazing for what you want.
You can always make some sample user modules and later delete them after you decide what works.
The short names of modules (what shows up in the tabs) can only be 9 characters long. The actual description that comes up when you hover over the short name can be very long. The idea
@wsbones shared above about naming your modules with a leading underline is a good one. I did not do that, but wonder if I should have (names can be changed later, though, so no biggie). I named mine with my initials first and a dash, but I like Bills' idea a lot.
It is perfectly OK to have only one user
book (not commentary*), but the way I describe below it may not be best for your desires.
My suggestion to have one user book is based on the idea that then you can have one item in the margin links if you just want to see if you have user-created content on that verse somewhere. (If you want to separate by topic for your modules (i.e., each topic has its own module), that's perfectly OK, and in the margin the topics will be presorted by topics that have references to those verses.)
If one module is enough, then you could have topics as entries in that user book named, e.g., Tpx-Inspiration, Tpx-Names of God, etc. You could have book commentaries in that same user book named as Bk01Gen, Bk02Ex, Bk03Lev and so forth.
If you want a commentary module to comment verse by verse, I definitely would not recommend more than one for the entire Bible. There's no reason I know to make separate commentaries for each book or to make separate OT & NT commentaries.
You'll probably want to set the margin links so your module(s) show up there if there are hits. If there is more than one hit in a book (really, the chapter of a book [called an "entry" of the module]), you can scroll through them with + and -.
Hope that helps,
Eric
*because every commentary entry is linked to a verse, but when you use margin links, AFAIK SwordSearcher does not search the commentary text to report hits of verses other than the main one that it's linked to (if I'm wrong on that someone will correct me). Commentaries are great if you are commenting on that verse alone.