This is all true, and in fact, many moths are experiencing major population crashes because of our weird belief that Leaves Are The Enemy And Must Be Annihilated. I get the HOA is a problem, believe me, but...well...moths.
(And because somebody always proudly announces that they shred leaves with their lawnmower--indeed. Lotta rapidly spinning blades there. Not a fun thing to have go through your bed. So, again, if you can wait until spring, or leave a section unshredded, the moths will thank you.)