It depends.
If you just want to be able to search for user comments, full-text and all fields, just save all the comments in the user object (there is no need to concatenate anything):
{ "user" : { "username" : "TestUser", "bio" : "whatever", "comments" : [ { "title" : "First comment", "text" : "My 1st comment" }, { "title" : "Second comment", "text" : "My 2nd comment" } ] } }
If you need comments-based queries, you need to map the comments as nested (before sending any data) so that each comment is treated as a single element.
For your winnings just add another field "comment_count" and use it to increase / count points.
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