Hello, my husband and I are both over 50 and although we have the funds to "season" in Thailand, we are currently trying to figure out if we should apply for the 90 day Non-O A visa from the Thai consulate in Canada, one based on being over 50 and the other based on being the spouse of someone who will get a retirement visa. I am Canadian and my husband is HKSAR, HK is our home but we are currently unable to return. My understanding is then only one of us would need the bank account and the other could apply as a trailing spouse? Or should apply for a STV (or can we come in on the regular visa exempt for 30 days?) and then apply for Non-O visa from within Thailand with both showing proof in a a bank account? I understand the former needs proof of health coverage, but despite searching the chats I do not really understand the difference otherwise. My final question is we plan to be in Thailand from early April to end of June, then out from July-August returning in early Sept. Does it make sense to apply now or will that not give us enough time to clear the visas?

Thank you in advance.