Our first house was a 15 year old townhouse. They had a HOA and they were strict. The side of the curtain that faced the street had to be white or off-white, Fall and spring outdoor inspection, they not only told you what color you could paint your house but the brand of paint to buy (for the specific colors they allowed), lawn boys there at least twice a week with their freakin' leaf blowers, fertilizers and sprays, no colored lights outside at Christmas only white lights to maintain that 'Williamsburg' look.

We hated, hated, hated living there for the 11 years we did. Hated townhouse living but hated the rules even more. Felt like we were back in school with the principal breathing down our necks. We knew going in what the deal was . . . . and learned very quickly that it wasn't our cup of tea.
We moved into this house, a single, almost 11 years ago. This development also has a HOA. A few years back they negotiated a better deal on our trash removal and they maintain the common ground (which is a few areas of fields of grass and the two entrances). And that's it. No inspections, no rule. If it wasn't for the large areas of grass that need to be maintained by someone there wouldn't be a reason for an HOA. This is fine with us and doesn't intrude on the choices we make for the outside of our home.