I honestly believe that most of the anti-HOA people, including me, aren't bitching about having to live by a set of rules to follow, if they were presented to them ahead of time and were static. We would just read them and either agree to them, or not agree and walk away. We're worried about the fact that bylaws and rules are NOT static. What we worry about is that something that may be OK today, won't be tomorrow, or that we may **** off somebody on the board who makes rules like the OP's example of "yes, you can park your truck in the driveway, but only the up-trim model."
"Well get involved!" you say. Yes, that can work, but the problem is that HOAs are volunteer organizations. Now I'm making broad generalizations here, so bring a salt shaker. In my broad experience with volunteer organizations, and I volunteer a lot, the people who can do a good job on the board usually are good in many things, so their time is rather limited. They usually have little time to give to the large amounts of work needed, and have little patience with the complaints and "i've got a [stupid] idea" folks. They leave when it becomes too much hassle.
Those that do have the time are usually either not good enough to do other things, and are plain incompetent, or have the motivation that some of us fear of "your aesthetics aren't like mine, so I'll make a rule to make them like mine". The incompetent ones you read tons of times in the LA times about how they've abdicated their Davis-Stirling act responsibilities to management companies who run roughshod over the membership and pad their pockets, and make it difficult to remove them. The aesthetics ones make the silly "what can you do on your property" laws.
"Well a bad board will correct itself when the membership gets ****ed." Well, I believe that can be true for other organizations, but in an HOA, the membership is the property, not the people. And HOAs have the scary power of being able to foreclose out from under you with little recourse and protections that exist with governmental and mortgage foreclosures.
Building and habitability standards are a good thing, but they belong in city government, not in private government.
I call this "The tyranny of volunteers." When the only people who have time to do the work are the bad ones, things can spiral down quickly. Even if the volunteers are the good ones, one size does not fit all, and there can be conflict.