Bus stops on the main road(s), placed so everyone has a stop within a 15-20 minute walk.
Sort of agree with others suggesting getting rid of the neighborhoods in the first place, but sharing walls is hell. When the only way to speak confidentially in your own home is to whisper, it’s impossible to wfh or have a telehealth appointment (or, worse, a teletherapy appointment).
I use a portable AC - this is different from a window unit. The unit itself stands up inside your room, and it has a flexy hose that goes into a flat panel that’s about 10 inches high and expandable widthwise. You lift the window a bit, put the flat panel in the open spot, then close the window so the light pressure keeps the flat panel in place. It’s all on the indoors side of the screen, so it counts as being inside your house and nobody can complain.
(Assumptions: you have the typical American sliding windows, and your HOA doesn’t have rules about the inside of your house like curtain color or whatever)