How much time did you spend changing oil?? It's a 20-30 min job once you have done it coupe of time and know the ropes. I sometimes do it myself not because I want to save few bucks, but because it's sometimes faster than going somewhere.
You can show up with the used oil in any receptacle you like, there's no such thing as a proper container beyond not leaking, they will take the contents off your hands.
HOAs serve a pretty useful purpose: to coarsely/imperfectly segregate people who want to live in an HOA away from people who would never want to live in an HOA and vice-versa.
Those two groups are somewhat prone to having conflicts with each other and HOAs let both be happier than if they were to be annoyed by living next to each other.