Technically 44809 does not prohibit operations over people (OOP). Yet. However, any future Community Based Organization (CBO) will have that language in it since it has to be developed in cooperation with the FAA. And since the CBO requirement isn't fulfilled yet, the FAA requires that recreational flyers continue to fly according to existing CBO rules. And the most used it that from the AMA. Bullet point 4 says that here:
https://www.modelaircraft.org/sites/default/files/105.pdf
Advisory Circular 91-57B (
https://www.faa.gov/documentLibrary/media/Advisory_Circular/Editorial_Update_AC_91-57B.pdf) is what the FAA uses for now to prevent hobbyists from flying over crowds or people.
Also, fellow Denver pilot here (technically Lakewood). We have a drone meetup the last Tuesday of every month (tomorrow) in Golden. If you're on Meetup, join us:
Denver Drone Pilots Social Hour (Denver, CO). It's a very informal get together. While it's geared towards 107 Pilots, we welcome any and all drone owners. Regardless of where they are in the industry. Also, if you sign up for tomorrow's meetup, it says it's full. Don't worry about it, just put yourself on the waitlist and then show up.
Correct, 44809 does not apply to 107 Pilots, nor does 107 apply to recreational flyers.
Hopefully this answers your questions. If not, please feel free to reach out via messages.