Tod, bless you. I love the way you hold out for the 'don't use an agent thing' and the way you talk about it as being so 'under the table'. But many agents are regularly visited and checked by immigration. I know several people who have got a retirement visa through an agent and then, subsequently, applied and got an extension, or indeed new visa some time later, in their own country. Of course, people should be aware of what their doing but, as
Being vaccinated may help lessen severity of symptoms if you contract COVID. It doesn’t prevent you being infected or spreading it to others, especially if you’re asymptotic due to having been vaccinated
Point me to one case, just one case, where someone has been deported and banned for a 'very long' time for using an agent to get a retirement visa. Or, indeed, a case where an immigration official has asked to see the bank book of someone with a retirement visa acquired using an agent.
The exact requirements are all listed on all embassy sites. Yes, it is acceptable- Rapid PCR is generally the only one that will come back in time. But you really are better checking all this on Embassy site.