I did the DTV visa as I thought it would be easier, which it was - originally, I was going to get a standard retirement visa, which needs a Thai bank account for you to deposit money.
I have WISE and can use that and Starling offer very low rates to use contactless. its not the end of the world, but would be handy - wonder if you can apply for a retirement visa and have a DTV running - I guess not.. I dont mind paying an agency to help