>>no one bugs me if my lawn is looking sad. But in other ways it would be nice to have a unified group to take care of some neighborhood things, like unifying garbage pickup since we have private garbage companies here:
In many locations neither of those items are purview of the HOA, those would be City ordinances and City Services.
HOA's in my experience fit 2 molds, with some over lap
The first takes care of common property of the community, like playgrounds, community centers, etc.
Then you have rules enforcement, which are beyond the standard city rules like length of grass, in the realm of the type and style of grass you can have, the plants you can have, the color of the home, the type of (or if you can) have a pool, or structure, or Playground, etc etc etc.
These HOA expanded on what would be normal governmental regulations around safety, and go into the realm of "property value" protection, and other ascetics needs of the community