I bought a drone last month and had a lot of the same questions.
For all the information you need about Drones see
DRONE FLYERS CLUB - Home
Fortunately we have one of the most experienced drone pilots living here in the Villages and the president of this club, Don. He has all the "official" answers.
At a high level,
The Villages doesn't restrict drone flying since the FAA regulates the airspace.
There are recreational and commercial drone flyers. For Recreational flyers recent changes by the FAA require you to take and pass a TRUST test and register your Drone with the FAA.
You can see the TRUST information here
FAA TRUST Online Portal for Recreational Drone Operators - Pilot Institute
You can register your drone here
FAA Drone Registration Technically you can't buy a drone over 250 grams and just fly it like a toy. If there is a complaint with the FAA you will be facing some serious problems depending on your situation. One of the big reasons you need to do all this is Safety AND you might live near an airport and or restriced airspace where you need to get permission to fly your drone even lower than 400 feet so the FAA want to make sure you understand the basic recreational flying rules.
If you make any money flying your Drone, even using footage on your YouTube channel, since you get some amount of money from YouTube your flying is considered Commercial. Then you need to get a Part 107 Commercial Drone pilots license. There have been some YouTuber's getting notifications from the FAA about this. Whether you agree or not, this is the way it is.
At the end of the day, the FAA is concerned about safety and is taking steps to enforce the rules.
The Villages also gives a Drone course given by Don which is also very good explaining everything you need to know. The Villages Drone Flyers Club flys once a week so if you are interested in Drones you can talk to Don and or the other members there or join the club that meets once a month.