, I have been involved in numerous of ppl buying properties in Thailand over the years and have been talking continuously with the biggest law firms specialized in giving advice to foreigners in Thailand. There is only one company solution still being advised by the big law firms, namely the 3 times lease from a company you (partly) own. This is not about fear but about using your brain to understand how Thailand works. I have been presented with quite a few of those disclaimer documents. Owning your own property in Thailand is not business.
, seems like you have never tried any of this. They will ask you to sign a long document disclaiming any responsibility. This is standard in Thailand. The obvious problem with the "company solution" is the fact that you will only own at most 49% of the company owning the property, i.e. some Thai nationals being nominees owning 51%. If unlucky and things go wrong you are "lucky" if you only lose the 51%. There are different kinds of company setups but all of them involves a risk as not being legal or at least not being backed by the justice system.
, most Thai Embassies will require health insurance for any type of retirement visa. Most Immigrations (inside Thailand) won't require health insurance for a Non-O retirement visa.
There are two options fully legal. One is a 30 years lease of the land. The second is to buy a condo in a project where foreigners only own 49% of the total area of the building.
, by tomorrow I meant before getting your LTR visa. I think ppl are getting problems from having spooky records like something looking like bending the visa rules. I changed from multiple Non-O into Non-O extensions when a border station officer was talking about "misusing" the visa rules by getting a visa without showing money (which was not true in my case). But at least one nearby consulate is well-known for issuing multiple Non-O visas without asking to see money...