For example, I have text like this:
I talked to a friend, I hiked a mountain, I am working with blah blah,
And I want to delete or substitute
If you're willing to patch Vim for this feature, there was a proposal a while back (including a mostly working patch) to allow you to match arbitrary characters. In your example it would be cim,
for "change inside matched comma". See https://groups.google.com/d/topic/vim_dev/pZxLAAXxk0M/discussion for the discussion and a few versions of the patch. I've been using it a long time and the only problem I've encountered is in visual mode; but then again, I don't use the feature as often as I expected to.