We live in a "semi-gated" community, with no HOA. We don't have any problems.
My crib closer to NYC is a "co-op", and I've been there for a slew of years, never a problem there either.
When I drive my small 4 cylinder banger car, I don't expect a comfy luxurious ride. When I drive my V8, 18ft 5000lb SUV I don't expect fuel economy.
Any of the "dings" I've gotten from the co-op are just a part of the territory. Kinda like I expect to get a $125 parking ticket when I go into NYC.