Well using the [Genre] tag would make much more sense, as it has a Data Type of "List" and is semicolon delimited by default, while [Comment] has just a "String" Data Type, and therefore has no logic around handling multiple values.
Then you will notice that instead of the Rule Operator "is" and "is not" you will have Operators "is any" and "is not any", because MC now tests against the List of values in the [Genre] tag, hence there is no need for you to test for X or Y or X and Y.
You could also use the Rule Operators "contains" and "does not contain" rather than the "is any" and "is not any" Operators. They work in a similar way, but test against just one value. So you can just say "[Genre] does not contain X" AND "[Genre] does not contain Y". Or "[Genre] contains X" AND "[Genre] does not contain Y". Or any variations you want.
If you already use [Genre] for something, you could always create a Custom tag, such as "Theme", and make it a Data Type of "List". But in your example image, most of your "themes" look like Genres, with the exception of perhaps "Drive" and "Road", which look like places you want to play the music. The later are probably best put into a different tag again, or maybe even better, create a "Drive/Road" Playlist and add the music you want to take on a road trip to that playlist, then export to a Device to take with you.
That should get you thinking.