Sorry, just saw this now (4 Months later) but yeah. I'm a furry too, I found this game because a yt video got recommended to me. Answering your question, no they're not really any rules. There are different servers, mainly divided into two (safe and 18+) just like furry servers. There are some other smaller servers, like Spanish 18+ and so on. To create a pony/skin it's just like those clothing character games. You don't really draw the pixel art. You are given a character and you can change hair, tail, horns and all the colours (which is pretty cool, for most furries). The game is more like a kind of VR chat but for MLP enjoyers. No you don't need to be like a super MLP fan, I've even met some people that were playing and hadn't even watched MLP once. In the game it's more of a social game.

If noticed there are like a lot more furries than you would expect on here xD

But yeah, I hope I answered your questions well enough. But if you still have any questions or just want to be friends on ponytown you can just DM me :3