What are the best strategies for managing funds and converting currency while on a Non-O retirement visa in Thailand?

Kind of strategizing about how to do this.

From US - living now in Thailand- I put in 800,000 in Bangkok bank and will be getting non-O retirement visa end of next month - all squared away.

I also started putting 65,000 THB in every month - probably prematurely already done for 2 months, but was planning on doing that as well for a year - so that I can take back out the 800,000 THB the next cycle (and continue to put in 65,000).

That ties up a lot of money that could be drawing interest - and exposure to the vagaries of the Thai Bhat - and if I keep going ahead with this I wonder whats the best way to get it back out?

I assume they just want it consistently going in- don't care too much how it goes out. I can use the debit card all i can, of course expenses here that are in THB... But wondering about going direct through the bank/debit card for things that are in dollars.... will I eat a lot of exchange fee this way? Vs, transferring some of it back to a US bank through Wise the other way around. And I guess making cash withdrawels and exchanging for dollars at money places before I'd go back to the US perhaps - which would be infrequent.

Thoughts?