Money sitting in an account and untouchable is not an economically viable choice. Ask any financial specialist if you just can’t figure that one out on your own. 65k a month if you can afford it, is by far the smart choice.
Just curious of the Op’s second comment. He says he’s applying for a “NON O VISA” in England. I thought that was only possible to get in country in Thailand.
Have you visited your local immigration office and asked for the list of requirements. At least when I first did it that’s what I did. Each immigration office is somewhat different fro what I understand