@Ossie ********
the 20 privilege visa is significantly more than 1 million baht. The Non O retirement visa is legally a long term visa. The DTV is a short term visa as you can't actually stay in Thailand for a year ( you must leave ). Maybe banks are giving DTV holders a very hard time opening accounts.
There is a 10 year ( really 5 + 5 ) LTR but I can't get health insurance and having to tie up $100,000 USD for 10 years in Thailand will cost me significantly more than the 1.5 million baht for the 10 year privilege visa
Even if I let my non O retirement visa expire because I left Thailand, once you have a place and a bank account, it's straight forward to go to immigration and get one.