I don't think it matters. I think anyone that has it now will still be allowed to use it until it's done with. The only time that concern may come into play is if someone isn't sure if they want to get it immediately, then maybe they should apply sooner rather than later.
Because the Thai embassy in Laos does not use e-visa. You apply in person and give them your passport along with your application. Appointment required.
That is one option. You can also just put the money in your account when the agent gets you an extension in a subsequent year and then do it yourself the following year.
you can only use the immigration office that matches the province of your TM30. For long term extensions, many immigration offices also require a lease or rental agreement as part of your paperwork.
it's issued digitally if you go to a country where the Thai embassy has adopted the e-visa system. But the Thai embassy in Laos has not. All applications are done in person and you must have an appointment.
If you go somewhere with evisa then you are required to remain in that country from when you apply for your visa until the visa is issued. It's exactly the same as if you filed in person, except you do it online. There have been many reports recently of people that applied for a visa and then a few days later were asked for proof that they are still in the country.
Each immigration office sets their own requirements so what is required will depend on where you are located. Here is a general list of common requirements.
there have been reports of some immigration offices starting to ask for proof of pension or retirement payments if you are trying to apply for an extension based on monthly transfers.
That's not a thing. There is no lease requirement to open a bank account. Each individual bank branch sets their own requirements for an account. You have to go ask the bank you want to open an account what their requirements are. Be warned that this may changed depending on who you talk to or what day of the week it is.
Also, the DTV is a tourist visa, and most banks will just outright reject you regardless of any documentation you have. You will most likely have to use an agent to be able to open a bank account.