As a District Nurse I visited many of these complexes at both ends of the market and they suit a lot of people who enjoy the security. Recently out of curiosity for my own decrepitude I went to look at a McCarthy and Stone which was very nice but there was no storage at all, residents were not allowed to hang out washing, the service charge was very high and did not include a parking place. I asked 'where can I put my golf clubs?. 'Oh you will have given all that up was the answer'.
As to communal lounges you dont have to go in there. My MIL rarely went in except for lunch. She had a Housing Association flat and the mid day meal was provided and only minimal cooking (toast etc) in the flats - this suited her at 95 but wouldnt do for me. A lot depends on the style of accommodation, the price and your own tastes. I would say do a lot of research before committing to anything and ask for a trial period.