There are some neighborhoods built by a single builder who made every house pretty much the same. Same siding, same roof, same trim color, same everything. In those cases, I can see how changes some are out of whack (and you know these when you move in). But then there are places where houses are not so cookie cutter and then trim and shingle color shouldn't matter. There are probably some rules 95% would agree with and others only 5% would. The gray area is the first debate and the heavy handed methods used is the second. I don't live under an HOA, but the city code enforcement serves the same purpose, it's just more limited. I did have a guy tell me that with his HOA he was told the doghouse he wanted to build needed to be masonry construction.