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I'd think it's similar to my gym membership with a well-known national chain of fitness clubs that rarely close.

Carrying is in violation of the agreement I signed. If they catch me, I would not be breaking the law, but I would be in violation of their terms (the wording in the contract was not 30.06 compliant). They'd presumably have the right to revoke my membership and probably have no obligation to reimburse me a prorated amount of my membership cost. If they ever post the building, I'll revoke my own membership.

I'm assuming this would only happen if I needed a firearm to defend my (or somebody else's) life OR due to gross negligence on my part (which I'm not currently planning on). In the former case, the consequences were worth it. In the latter case, I have nobody to blame but myself.

The piece of the apartment scenario that changes things is the fact that it is your home. We know that a posted hotel may not be enforceable if you are staying there. . . regardless, I'm confident that you would not be criminally at risk.

(To quickly comment on the HOAs, they can no longer foreclose for ANYTHING except failure to pay dues e.g. regular assessments. Fines, penalties, late fees, administrative charges, etc. can result in liens but NOT foreclosures. This is a new law as of Jan 1, 2012.)