Some snowbirds come down in November and December but many don't leave home until after the holidays with the grandkids. January and February are the most crowded months. Some seasonals are gone in March. In early April (when many more have left for home) you will notice a huge difference.
We have only been down here for about 2 1/2 years but I don't find things super crowded. The main exception is evening entertainment at the squares when one of the most popular bands is playing. (Villages LOVE their Hooligans!)
Definitely rent for a while, in both high and low season. Good luck with your decision.
kathy
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