Has anyone developed a anti-spam plugin to simply allow users to BLOCK whatever they wish to, but one that will also go easy on IP addresses?

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…is there any other plugin out there that will do EXACTLY this

Not a plugin, but yes – this is the standard behavior of the comment moderation system in WordPress.

BUT if ANY user visits bob.com and posts a comment containing the
blocked email, website url or any other blocked material, then the IP
of that user will be blocked for a day, and the comment will not go
through

It helps, but doesn’t completely eliminate spam posts. The same spammer can use a different e-mail address or website just like he can use a different IP. The victim still needs to black-list keywords as he gets new spam.

Here are some standard solutions for limiting spam:

  1. Akismet (I think it’s a paid service now)

    • it’s kind of like heuristic analysis in AVs; compares the newly submitted comment with a spam database. I don’t know how efficient is now, but I used it in the past and got a lot of false positives, and some spam went trough

  2. A captcha system (reCaptcha seems to be the best)

    • 100% effective against automated spam, but some find it obtrusive (it’s completely ineffective for manual spam)

  3. Honeypots

    • 100% effective for automated and non-targeted spam, completely ineffective for automated targeted and manual spam, but it’s unobtrusive for users