@MyNewtBoobs… those are generalizations based on FUD.
Check out the rules for any given HOA where you consider buying. Yes, they typically want some conformity, usually to maintaining the original “spirit” of the architectural design of the neighborhood, but I’ve seen plenty of cases where owners have made significant color/material upgrades that – and this is important – measurably improve the value of the property and the neighborhood.
Most HOAs have some form of architectural review committee that can provide variances when warranted.
I agree it’s not perfect freedom to do what you want. But it also protects you from some nut putting a soul food drive through on the side of his home. It’s give and take. It’s compromise.
Don’t want to compromise, that’s fine. Build a house on your own private lot out in the sticks. No one’s stopping you.