Here is what I do as an avid golfer and one who knows most of the rule book:
If I hit OB I leave it unless:
The house has a clear posted sign: "Please retrieve your ball if possible" or something like that. I would say about 5% of homes have some sign either Yay or Nay.
If the ball is just on the line where I can reach it without stepping on the property I will pick I up.
If the homeowner is visible (on the lanai for example) and I make eye contact I will usually ask "Do you want me to retrieve the ball". Most say "sure".
It's common sense people.
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