From what you are saying sharing a kitchen is ok but sharing a living room is not. Some of the Premiere's have a living room the is completely separate from the nook/family room. And that living room has a bath that is, in effect, part of it.
On this home it's not that hard to visualize an in-law suite with it's own bath and living room...
Homefinder - The Villages(R) Homes and Villas for Sale
If there the lot is big enough you could add a reasonably good sized living room to a designer. One of our neighbors did that.