I live in a PUD
. I'm just amazed with what they've done, and yet the HOA restrictions don't seem very restrictive, mostly things I wouldn't do and things that would annoy them if neighbors did them, and my monthly is only $25 (we don't have pools or tennis courts here). Here in the Santa Clarita Valley everything seems well planned, much easier if you develop your city in the late 20th century vs. the 16th century.
About my only concession is that there are certain times of the day I have to avoid the freeway, but most of my travel is at right angles to the freeway so not a real problem. In fact even in off hours I rarely go more than 2-3 off ramps unless I'm headed for the San Fernando Valley, and even then at the right time of the day it's virtually effortless.