(Much like "democracy", which actually isn't about voting in your managers every few years then going home.)
A main part of historical socialism is control over production by the producers themselves. Not by "bosses", whose commands producers must obey.
Collectivism vs individualism is a false dichotomy. We can easily imagine that a healthier society cooperates to increase the freedom of its individuals.
Simply talk with mainstream anarchists (anarcho-syndicalists and so on). They typically call themselves socialists, organize collective action like strikes and radical unions, etc. Certainly, anarchists aren't known for supporting the state. :) (http://en.wikipedia.org/wiki/Anarcho-syndicalism)
Your tacit premise is: "Since you didn't show me how to solve every problem, then your general solution is false." This is like blaming calculus for not having worked out all possible calculus problems.
To oversimplify, yes, the difference is that you've consented to the rules. Imagine you and your friends decide to order a pizza and agree to vote on the toppings. That's fine. But it's not fine for a friend to force you to pay for the pizza when you didn't agree to do so.
Your friend consented to the first pizza, but he didn't consent to any pizza after, except insofar as you can say that his remaining a member of the pizza-owners' association represents actual consent.
Coming at it from the utilitarian point of view (for sake of argument -- I am not a utilitarian[1]), does it really need to be argued that every humane person should naturally wish to respect individual consent to the fullest extent possible? The only remaining question should be to determine to what extent this is possible. Is there a way to get the road clearing paid for without violating the consent of those who don't care if it's cleared or not?
It turns out that we can form systems whereby this is possible. For example, take a home owners association (HOA). It violates no consent to have contracts that stipulate that you must pay a yearly fee (or "tax") to join the HOA. So there you go, the snowplowing problem is solved, all without any violation of consent.
If you're creative, it turns out that you can solve all of these dilemmas, without resorting to government fiat, which of course can only be implemented by being willing to point a gun at your neighbor's head. No humane person would prefer this, ergo actually humane people would seek more creative solutions.
[1] https://leanpub.com/reasonandliberty