Come on be real. On 3k a variation to say 36 (less than 1% Forex variation) only means an extra 1200 then, and you take the risk THB strengthens. If you that worried send 1550 now and 1500 later
Your embassy gives you the answer on what options are and you are trying to get a better answer elsewhere. Good luck as a damaged passport isn't valid in 99% of places .
Nil. Visa straightforward as long as you have a plan to return and money and air tickets and Google translate can translate everything when you are there