The part about staying only 6 months out of 12 ("I saw a post"). And the part about 800k in account. With an agent, you don't need the money in the account part. Ofc you pay a premium to get said visa.
Visa exempt, Tourist Visa, Volunteer Visa, Non-O (Marriage). But 80% of it was visa exempt or tourist visa. I'm currently on Single Entry Non-O but before that I did 2x visa exempt by land in 2023. Fear mongering is counter productive and mostly factually incorrect. What matter is not google or what a 65 years old angry old fart who haven't done a visa run in 20 years think. What matter is a mix of personal experience and report from people who did said visa or border run. You will notice in this group that the reports are always from BKK, Phuket and Poipet, never from anywhere else. The small anecdotal evidences from any other port of entry has been debunked everytime it's been presented (whether because of person was trying a 3rd land entry on visa exempt in a calendar year or didn't have 20k baht).
I've been living in Thailand for around 12 years and I'm only 37. Never been denied entry, and rarely been ask proof of fund or onward ticket. I simply avoid BKK and Phuket airport, and Poi Pet land entry. You can enter from anywhere else very easily.
There is no long term visa for you unless you get married (which I did). You are too young for retirement and ed visa is less and less of an option. I did visa exempt and tourist visa for 8-9 years. I got married in 2022. So you can still do a mix of visa exempt and tourist visa and be okay but find a wife asap, since you are young you have no other long term solution. It's getting pricier every year to use agent for ed visa or business visa, and never know went they will crackdown again like they did with volunteer visa.