I'd like to let the Accordance community know about something I'm slowly working on. I'm converting an old public domain commentary into User Notes so that it will scroll with the text. Accordance doesn't offer a way to create a User Reference Tool, but the User Notes import can be used to achieve something similar.
I'm preparing the text in Markdown. First level headings are books, second level headings are chapters, and third level headings are verses. A Python script reads the Markdown (treating it as plain text) and splits it at third level headings (the commentary on a verse or verses). The chapter heading becomes the name of the file ("### Luke 2:14" becomes "Luke 2_14.rtf") and the content is created by piping the Markdown through pandoc.
Since I found the commentary online in HTML and got permission to convert it for Accordance, I just have to add the third level headings to split it into verses and enhance the text as I wish. I'm tagging Scripture references and sometimes marking page numbers, chiefly for proofreading.
If at some point in the future Accordance does support the creation of User Reference Tools, I already have the text prepared and just have to convert it into whatever the importer will read.
There are some limitations to using User Notes for a commentary: RTF import doesn't support footnotes or small capitals, but in the text I'm converting, footnotes are rare and small capitals are not necessary for understanding the text.
A commentary in User Notes has the advantage on iOS that it will pop up in a little window if you tap on the icon, so you can have a main text, something that scrolls in parallel, and also see the commentary. However, having lots of commentaries in this form would not be ideal, because all the user notes share icons (distinguished for one note or multiple notes on the verse), and they all pop up together or show up in instant details together.