You can do a re entry permit at the airport 24 hrs a day and at the immigration office only during business hours. That is pretty much the only difference ;)
Yes that is an option and would work, although a bit painful. Or IF she will NOT be permitted to piggyback (I can't imagine why as it is very legal??) they could get a 2nd lot of 800k for her. Expensive, but just leave it there and don't touch....can spend some of it for 7 months of the year.
Because the same questions are asked over and over again and no one reviews the specific pinned topics or previous posts on the same subject. ;) and then there are 50 comments with one guy saying he didn't need insurance and another guy saying he did. No wonder the comments get closed pretty quick ;)