Apologies if this sounds repetitive - I wanted to emphasize a point: The HOA thing sure seems to come up a lot, and that makes things challenging right off the bat. If you're stuck with a badly-compromised antenna from the start due to HOA rules, combining that with QRP will be deeply frustrating. QRP is my only real interest in this hobby, and I know that, with that self-imposed limitation, the antenna becomes exponentially more important, and, for me, working portably is then a requirement. If you cannot set up a good antenna at home and don't intend to operate portably, it would be a sorely missed opportunity for you not to get the 100 watt radio now, "downgrade" later if you really feel the need.
If you are okay with working portably, though, that changes everything