Not ragging but this is why I really love having the 4x4 truck. In Florida we have sugar sand...man that stuff will make u bury down so quick. On my old 2 wheel drive I used boards, they were my best friend. Never have I used chains before, so I cant comment. But I have aired down my tires with success especially on the beach. I know this is expensive but are u able to blacktop or concrete and path to where its at? I added a slab beside my house which has helped out. Got the same HOA problems like u have so I understand that issue.