I think your proposal offers a valuable new perspective, especially given the increasing diversity of modern housing.
At the same time, I think this makes it even more important to examine the issue in greater depth.
Modern apartment developments have evolved into a wide variety of forms with very different characteristics. In particular, I would encourage you to consider the development of apartment complexes in South Korea and Singapore as part of your analysis.
To provide a little background, I understand that in some Western countries apartments are sometimes regarded as an unsuccessful model of modern housing or are associated primarily with lower- or middle-income residents. However, in other parts of the world they have evolved in quite different directions.
Of course, I believe that Europe—the birthplace of apartment housing in its modern form—also has apartment complexes with a wide range of characteristics. However, I think the cases of South Korea and Singapore are particularly distinctive.
Singapore’s HDB flats are already fairly well known, so they should be relatively easy to research. In South Korea, meanwhile, apartment complexes may include facilities for residents such as restaurants, swimming pools, saunas, fitness centers, parks, cafés, and even guest accommodations for visitors. Some complexes also contain publicly funded childcare centers. Because these are public facilities supported by government funding, they are open to people who are not residents of the complex.
As is common elsewhere, apartment complexes also often contain commercial facilities. In practice, some are large and self-contained enough that they could almost be regarded as small neighborhoods in their own right.
In some cases, although not located within the apartment complex itself, part of the development site is dedicated to the government for public use, allowing public institutions to be built there. Strictly speaking, these facilities are outside the apartment complex, but from a broader perspective this further reinforces the idea that such developments can function much like small communities—or even, in some respects, resemble a small municipality.
On the other hand, as another contributor has pointed out, there are also apartment complexes that consist of only two residential buildings and a surrounding fence.
I very much agree with the goal of making the nature of apartment complexes clearer and more accurately reflected in OSM. However, once all of these different cases are taken into account, I suspect that defining their characteristics precisely becomes a very challenging task.
(For this reason, I personally lean toward simplifying the criteria used for tagging attributes. I am currently researching this topic and hope to share my thoughts on it in a separate discussion at another time.)