O vs O-A

O-A requires insurance, but maybe no bank balance requirement
O not so easy to get from outside of Thailand

O Retirement visa requires

800,000 Thai baht in a Thai bank account or 
evidence proving a pension of 65,000  thb per month,  65,000.00 Thai Baht = 2,011.23 USD as of Nov 2025

This is an option that would let me get that 800,000 baht out of the bank for that last two years