@Andy *******
if u go in with a 30 day entry on arrival with 30 days covid and heath insurance... acs 1666 bt for 1 month cover. U can go through the retirement process by applying for 90 days then run that down to when u would apply for a new retirement visa. no obligation for insurance when retirement visa granted. if your spending most of your time in thailand id say its best to do it in thailand if u have the seasoned funds. u can open a sterling account if u dont want to have a baht account.