Earlier quoted context omitted.
This is what I do. And if the Markdown file is not near the code in question, it's a 100% guarantee you've wasted time writing it because nobody is going to read it. I also write comments first when writing complex code and then fill in the code in between. More than once this helped more than any documentation could, because people do not read documentation if they can avoid it, and avoid it they'll try.
I’m also a big markdown-in-source advocate. However it’s major shortcoming is that it’s not accessible enough for non-technical teams to maintain.
At the risk of just mirroring my comment above:
Low-level nuts-and-bolts documentation can't be accessible to non-technical people, by nature. Documentation of high-level designs are another matter. Why not use a wiki for the documentation of high-level decision-decisions? A wiki can be accessible to non-technical staff, and it's trivial to link to a wiki page from a comment in source.
It also keeps the source tighter. It negatively impacts readability if the source is full of non-vital comments.