Xeriscape.
 

Has any Xeriscaped a yard? If so, who did you use

It is not allowed in The Villages. You can replace your lawn with a native or Florida friendly ground cover to save water and the environment. You also have to draw up a plan and have it approved by the ARC. I have done this. There is a chapter of the Florida native plant society that meets monthly in the villages.

The OP did not give any details regarding what he actually wanted to do or meant regarding Xeriscaping.

I am pretty sure The Villages will not permit you to replace a lawn with any type of groundcover whatsoever. The Villages is loaded with plants and shrubs that qualify as being xeriscaped type plantings. In addition, there are a number of plants and shrubs which are non-native that would also qualify under the xeriscaping category.

My suggestion to the OP would be to speak to one of the recommended landscapers on this site regarding what he wants to do.

Several homes in nearby Courtyard Villas have xeriscaping with rock and plants. Looks very nice and would conserve water.

Rock (stones/pebbles) are not a good choice for xeriscaping, nor is the so-called rubber mulch. The stones hold the heat from the sun and your plants bake and consequently require more water.

Nothing beats wood mulch which as it breaks down it adds to the sand or what we tend to call the soil!