If in a large community the clubhouse, restaurant, etc. does not add that much cost to the quarterly fees. What it does do is give you a common meeting place to meet neighbors with common interests. Our HOA is mostly an older group, but they are more active than most 20 year olds 🙂
We do have fancy HOAs that are 3x what I am paying with outdoor misters, big screen outdoor TVs. Not my thing either.