In my HOA I can do pretty much anything that's not in the line of sight from the front of the house. Inside my home, or behind my fence in my backyard? They have no view and do not care. I've done a complete interior remodel, replaced waters heaters, an electrical panel. Installed a pool, pergola, pool heater. Only had to get HOA approval for a fence, paver driveway, paint, etc. nbd.
I've submitted far more county permits than HOA requests. (and I've had enough inspectors find things wrong and require rework of electrical stuff over the years, that I will never skimp out on getting permits).
My rights that are "curbed"? - let's see.
Can't have a car in disrepair in my driveway
Can't let weeds grow with reckless abandon
Can't let my grass just sit and die and stay brown forever
Can't paint my house as an homage to Barbie
Can't make my house into an Airbnb so people can have raves whenever they want
Can't design my house exterior as a shrine to Ozzy
My rights to NOT have to live next to that are protected, and I think that's a good deal.
My HOA is often billed by realtors as being "low fee" and it's about $100 per month. We're not gated. But we do get plenty of services that enhance the property value. The entry street to our neighborhood is well maintained with new landscaping and lighting (not just street lights, but lights shining up the trees), and the trees are regularly trimmed (important in Florida).
Our small park is well maintained and attractive to families. The dock that connects to the lake is kept up and safe. We have a security patrol from the local Sherriff's office, basically just a deterrent but the parents here like that he monitors the school bus pick ups and drop offs.
I've seen neighborhoods near ours that would not protect my rights to live in a well maintained neighborhood - no thanks!