interesting, they must have changed that. I had an existing account and my card got hacked the day before I flew back. Wise sent me a new card to my Thai address. It took almost a month but I got it.
It comes down to personal circumstances. The retirement extensions are easy enough to manage on your own and the benefits of bank accounts, 5 yr DL's, not having to leave are important for many people. We were on the retirement extensions and switched to DTV, it just works better for us. We travel a lot so the DTV being multi entry is great and 180 days is no big deal. We also didn't want to bank the 800K and our country stopped doing the affidavit of income so it's a good option.
2 options: 1) wait 2) come on visa exempt, go to a nearby country and apply again.
If you come visa exempt you do risk your original application as you should stay in the country you applied to until issued. Some people have had no issue doing that, others have been caught out.
It depends on what embassy you are applying through as they have different requirements. If you do a search in the group for your embassy there are lots of posts about this.
All it would take is the IO noticing the date of issue on the visa and the entry/exit history. A few people posted about it happening last year but it wasn't common and there is nothing recent. Most did get let in but some had to get an "assist" to explain why the visa was issued in another country when they were physically in Thailand. Of course, impossible to say if it actually happened or if people just wanted attention.