What are the best long-term visa options for a US citizen spending extended time in Thailand, particularly for Koh Chang?

Hoping for some helpful advice here regarding long term visa options.

Im a USA citizen, of the pacific NW, USA... I've been wintering in Thailand about 4 months per year for 12 years. I spend majority time in Koh Chang. Several times previously I've gotten a multi entry tourist visa (METV) which required a trip to Los Angeles Thailand Consulate for same day turn around. It worked then, but a hassle. In February 2020, while in Thailand, I went through the expensive process of getting by retirement visa. Then, COVID happened. Because I was unable to travel to Thailand the following winter, my retirement visa became useless. Im exploring my options now for going forward, planning to continue four+ months per year. Im currently booked for Dec-March. I'm 60 years old with sufficient income to meet financial requirements. I just want to go to koh chang 3-4 months and not have to do a international trip to renew my visa. I have an active BK bank account already. There is so much conflicting information that I'm bewildered........ my first option is to get another retirement visa. Before, it was only possible to get a retirement visa in-country... is that still the same? Is it possible to get before I leave? Second option, hire a service, go thru the hassle again in Pattaya or Bangkok after I arrive. Third option, go to Los Angeles and get another METV. My travel booking stay period is around 115 days. Any help or advise from someone with knowledge is much appreciated! My previous go-to guy on Koh Chang, Roel, is unfortunately no longer with us. Appreciate mak mak any intelligent advice!