@Graham *****
Sorry, I should have noted this in my previous post. I have had a Thai bank account with the needed 400,000 Thai baht for many years now.
From your posting, if I get the Non O visa here in the states, I will NOT have to show proof of onward travel to airlines and customs, if they ask? Will all airlines recognize/understand this and not ask me for an onward ticket? If so, then I should get the Non O visa here in the states.