Friend of mine bought a small house, an old one in an old neighborhood. She had no idea it was an HOA neighborhood until the day she moved in. They arrived with paperwork she "had" to sign or things would get "complicated", aka do this or we're gonna make life hell for you. She immediately told them no, she has no desire to be part of the HOA, and they about blew a gasket. Went from civil to wtf real quick. They tried sending her violation reports, demanded she pay fines, threatened her, etc. What they didn't know is she's petty and gives zero fucks. She also lives keeping paperwork nice and tidy.
Shit hit the fan when she installed a wall around her property. A 3 feet tall 2 foot wide wall around her yard. Topped with gorgeous iron work with sharp points that make climbing dangeous. Think Addams Family Lite. They tried to stop the construction because she was using the /wrong/ company (a mutual aid group she worked with). Send her fines and fees, and made the mistake of sending a copy of the HOA contract with a forged signature.
Ooooo...it got so ugly! She remembered the HOA post here about that happening to others and, well, the HOA broke up because of other fuckery on top of this. But it was mostly due to her dragging them in court for fraud, harassment, disturbing the peace, trespassing, stalking, and a few other things. She was petty about it too, looked into every fucking thing she could to destroy them.
I was informed that you not, in fact, obligated to sign the HOA contract. It's not a legal requirement. When you look for a home, make sure to ask about the possible HOAs, and look at the details of your homeowner's contract. Sometimes HOAs have that shit written into the purchase. If you see it, change the contract, put your initials and date in the changed sections, and see how the real estate agent handles in. This is legal, btw.
Don't sign the HOA contract, learn the laws regarding yard stuff (did you know you can apply to have your yard declared a wildlife reserve?), and be petty af when the nosy neighbors won't mind their business.