snow removal and salting of icy sidewalks, mosquito abatement, year-round pools and hot tubs, fitness centers, clubhouse, parks, pavilion, lawncare and landscaping, private marina access, sand volleyball courts...
Feels like I'm living at a resort, and I don't have to lift a finger outside. My evenings, weekends and vacations are awesome. Worth every penny.
And what about those pesky rules? I ignore them, when it's convenient for me. I don't do anything outrageous, but I mostly still march to my own tune, and I've never been bothered.
Enjoy your "freedom" to mow your own lawns, suckers!