you have 1 year to go. I think you’re just going to have to go through the ball ache of border runs, until you hit 50. Make a trip out of it and get 60 day Tourist visas to enter, then extend in country for an additional 30 days.
I think they kept around 300k baht. But I guess it would depend on your age or potential existing conditions. They’re early 60’s, in fairly good health.
I know a couple of retirees who chose that option. They keep a chunk of cash aside for potential medical visits. Insurance companies will do everything they can, to avoid paying claims.