flying over people

I am on the verge of becoming FAA certificated and have a serious question for other serious pilots. I understand that flying over people can have potential hazards. Keeping within the spirit of the regulations, what is the most practical balance you find? I would like to take some videos in...

I know we are all excited that the FAA has finally made it possible for us to get a commercial license to fly our birds without taking a pilot's license with us. But has anyone noticed that the new rules specify that we cannot fly over people? This seems like the most onerous restriction I have...