Now you gonna have the Home Owner's Association on ya Mate. You didn't get their approval. No matter. Do like I did. Just buy the bloody association and evict them all. I also bought the pool, recreational area and overflow parking for that gated community. Imagine their surprise when I padlocked it all. I never cared for uppity snobs.
It all depends M'Lady. Here in the south the sun takes it's toll. My need for a new roof is my own fault. I chose the 25 year shingles instead of paying for the good ones. They have held up well but they are starting to curl. You get what you pay for as the old saying goes. I will have a metal roof put on soon. It should have been done first time.
As a thought. The shingles on my house would probably last another five to ten yeas without a leak but it would be cost effective for me to do the job now. It will most likely cost me another 3 to 5% per year to wait. I am getting to old to be worrying about a leaky roof. It is also the aesthetics of it. The curling shingles just bother me. The clean lines of a metal roof is more to my taste plus I get to enjoy that metal roof for the next 50 years. Or so they tell me.
You Northern folk have to deal with snow loads and ice damming as a cause for failure. Still I suppose anything that will lift the shingle so the wind can get under it means quicker failure times. I was told once that if you use a heavy shingle it lays flat longer. I can vouch for that because the shingles I had replaced 14 years ago were nearly 40 years old and twice the weight of the new shingles. The roof never leaked. It just looked bad and frayed around the edges.