you have no garden
That's the whole point - I'm not very much into cutting grass and weeding flower beds.
can hear the neighbours and they can hear you
Maybe in commie blocks. At my current address I heard my neighbours
once in 2016 (a rather loud argument) - nothing since then. It depends on the neighbours, I suppose. :)
and then there is the fire risk...
Actually, there are way more fires in houses than in flats...
przelom.pl/39938-jakie-sa-statystyki-pozarow-w-polsce-i-kto-wykonuje-sprzatanie-po-pozarze.html
Blisko 70% z tych zdarzeń, to pożary w domach jednorodzinnych. Można więc śmiało stwierdzić, że pożary zdecydowanie rzadziej wybuchają w mieszkaniach.
transl. "about 70% are fires of single-family houses. We can clearly see that fires break out significantly less often in flats"