You've gotten a lot of great advice on here. I'll echo the sentiment that you don't need a webcam, but some folks do like it.
About half of my 12+ players don't use webcams most or any of the time. I always do, because I feel like it's part of the experience to provide as the DM.. and because I like seeing my players' faces, so if I use it maybe others will too
As far as places to find games:
A couple subreddits: r/lfg (free) and r/lfgpremium (paid)
Startplaying.Games (SPG) is a site for finding and playing games. There are free games on there, but they're primarily paid.
Roll20 has their own lfg area but I'm not familiar with it.
I mention paid games because it doesn't have as much of the stigma it used to have, and it's a
little more reliable way of getting games going online and keeping them. I run via SPG- almost all of my players are over 35, and many of them are over 50.
If you're into Dungeon Crawl Classics, the Goodman Games server and the unofficial DCC server organize a lot of one-shots.
Basically there are tons of places to find a game, but getting a regular game or group is kind of a crapshoot.
As a player, almost all virtual tabletops (VTTs) will be free. It's usually the DM that pays for it.