I have opened all of my accounts with a pre-paid SIM.
Last ones around 3 months ago.
But even if you did in fact genuinely need that, you will need to go to Immigration for a Residence Certificate to open a bank account anyway, so I don't really see the problem here. Just get both of at the same time.
Some offices give them out the same day as the application. Mileage will vary on that.
You should apply for the Non-O based on retirement before you arrive.
Don't need to make it stupid expensive by hiring an agent.
The Non-O should enable you to get a bank account, which you will need to get sorted and filled with the required amount of money for your 1 year extension within the first 30 days of your arrival.