0 baht to put into an account? If you were in an OA then you were able to show evidence of equivalent in your home country. If you transfer to an O you'll have to season
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0 in a Thai bank until the extension is granted and not let it drop below
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0 at all and make sure it's back to
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0 a few months before the next extension. Your issue is having used an agent. You are stuck in that loop of renewal with them after using them. Going alone, or moving province (as you have) basically means starting from scratch. The plus side is, now you are doing this all yourself through the official channels you shouldn't have this issue again, as long as you keep to the rules of money in your account. You may wish to do some research on the difference between the O and O-A visas and the different requirements though.
if you can find decent insurance at a good price then maybe just get the cheapest authorised one with the biggest excess and just see it as a visa surcharge. If you've no intention of using it then I guess it doesn't matter if you don't fully disclose your history