Hi Diane,
Yes, anchor text does matter. Anchor text on inbound links can help you with keyword rankings. However, as you've probably noticed, most inbound links to our site will be linking to your brand name. Here are some articles that can help you have a deeper understanding about anchor text: Anchor Text 101 and some more advanced stuff Beyond Exact Match Anchor Text To Next Generation Link Signals and Which Type of Link Anchor Text is the Most Effective? [An Experiment].
As for getting link (link-building), commenting on blogs/articles in your niche can be a great way to get backlinks. However, as you noted, many sites no follow links on their blogs/articles. Here is our 101 article on link-building which can get you started on other ideas to go after backlinks to your site.
Hope this helps!