and that would mean starting monthly 65k transfers at the same time as applying for the first 1year, in order for the 12mth transfer method to be used NEXT year
There is technically no limit as to how many times you can get the 30+30 in a 12 month period, but the more times you do so will increase the likelihood of awkward questions at inbound Immigration control.
I figured that you wouldn't, as it IS the responsibility of the individual to make sure they have enough time left on a passport. I ask only because I heard a story a few years ago of someone who was in this situation. He "claimed" that he would be receiving the remainder of his extension stamped into his new passport when it arrived.
last year my wife was in Bangkok for medical treatment during the under consideration period (we advised immigration upon application). He did a video call to me at same time as I video call my wife. He took screenshots of me holding the iPad with my wife's face - in each room of the house. They will accommodate you if you let them know at initial interview.
OP was asking specifically about the US Embassy, and they stopped issuing affadavits for income a long time ago. It was never in question about being able to do it or not, just the best way to go about it.