You shouldn't put user passwords directly in the fstab file. That's a major security risk. Use a credentials file instead.
In each users $HOME partition, create a text file with the username and password in it, like so:
username = <value>
password = <value>
Then just add "credentials=<filename>" to your mount options. Whenever the mount command is called, it will grab the password information from the file.
As for other options, you're right in not just taking whatever you find off the web. You should read the man pages instead and figure out which options you actually need.
Here's a copy of the smbmount(8) man page: http://linux.die.net/man/8/smbmount
Most, if not all, of the options should also work in fstab.
And don't forget "man mount" and "man fstab" as well.