... Exactly correct, Bill. They just take the stress out of everything. I still take my passport into the visa office for my 90 day report. I could do it online but it gives me something to do and see everyone and catch up.
... Easy way is to use a good agent. They did it for me. Made it easy for me and still make my life easy. Same as when I rented a condo. I used an agent. Proper signed contracts and get your deposit back. I know Thais who have had arguments with other Thais over deposits.
I just keep my 800,000 in the bank and don't drop below it. The agent never asks for proof of it. But if they do it's there and been at the right level all the time.