If you are concerned about the HOA fees, you should get involved with the HOA board. As a resident/member of the HOA you have the right to review the finances of the HOA.
You would be surprised how much the common area maintenance and pool maintenance can cost, not to mention insurance and building maintenance if it is included.
After you review the budget and you feel there are still problems express your concerns at an HOA meeting, or better yet run to be elected to the boards of directors. Being involved in your neighborhood can be very rewarding.