I feel the love here for HOA's.
Interestingly, my credit union won't finance 1-ton trucks. I call BS on that one, but they say "1-tons are commercial vehicles". Guess we'll use dealer if I ever upgrade.
Taxes, plates, etc. are more - but the "potential" load you are putting on the road is more, so that I understand.
We're possibly relocating to NC in the very near future - better believe we will avoid an HOA if we can
At least mine says "Denali" so they won't know the difference!