Oh goodness, you’ve cut me to the quick and I stand before you shaking in my snow boots...
I thoroughly sliced and diced every one of your arguments. You obviously had a bad experience in an HOA. It happens. It’s an anecdote.
This is not an issue of liberty, because as any middle school civics student should know, your liberty is the freedom to live in an HOA neighborhood or live in a non HOA neighborhood. There is no shortage of either.
It’s not an issue of government, because it is voluntary, and government compliance is not. Period. Game, set, match, drive safely.