I kind of feel this way about condominiums vs self standing houses, and I think the benefits and problems are comparable.

In the condo I used to own, I shared 5 out 6 faces of the box with neighbors. Cheapest electricity bills I ever had because you're mutually insulating your neighbors.

However, my HOA fees were more than that savings. The chairman noticed we had a lot of money in the reserves and pushed for a vote to do a multimillion dollar renovation. Popularity contest for things I don't value and HOA fees go up. Want to make a change or need to make a repair, need to get approval from the board.

Anyway, I'm sure the parallels are obvious with a little imagination, but I prefer a standalone house.