You may be used to seeing new developments in Florida and other places that are run by Homeowners Associations, which in turn are run by the developer for communities that are still being developed and built. But most of the normal functions of the HOA like you’re thinking of are taken care of by The Villages CDD’s.
But that didn’t stop residents from forming an POA and an HOA of their own to serve as kind of “watchdog” groups for residents of The Villages.
The dues for both are very low, and you do get some discounts at local restaurants and businesses for being a member.
I encourage you to join so that, if nothing else, you at least give the people making decisions concerning the future of The Villages the sense that someone is watching what they are doing and are concerned about the decisions they make and their impact on current and future residents of The Villages.