For code maintenance I've long since given up on assuming the comments are correct and simply read code and try to understand what is going on (and maybe read the comments later to see if they correlate to my understanding of the code). Many times I see that when fixing code, people don't update comments and a few times I've seen the comment indicates good intentions, but the code doesn't live up to the intentions :-).

But I do see your point about it for more complex programs and maybe more complex programs of your own (that a future you will have to maintain).