if someone wants to be in a giant rush to get everything done from the second of landing and assuming all goes well for them sure. Or just do the one year and go at your own pace. As long as the money is in the account within 4 months of needing to renew can also do it in Thailand without leaving. Not everyone wants to stress through it all.
FYI the 90 day visa won't work anymore with the banks now that they are implementing this
If you are still in Canada, and assuming you are looking at the retirement visa apply for the OA 1 year retirement visa through the embassy in Ottawa or Vancouver it will be based on you having the funds in Canada. You can also use this visa for nearly 2 years if you leave Thailand just before it expires and return.
You'll then have lots of time to find an apartment which you'll need to get a Thai bank account.
Once you open the Thai account you can transfer the funds via wire transfer. Simplii, TD, RBC etc etc all offer wire transfer services, but just make sure you have it set up on your online banking. Simplii offers international wire transfers for free
Don't do the 90 day visa because you'll be in a giant rush to get everything done when you land
in aware of this, but almost everything I've seen says that can only get the Non-O then need a lease, Sim, bank account, depositing the 800K etc to get the Non-OA.
But it seems as though there's a possibility of obtaining the 1 year Non-OA in Canada without anything Thai and then having a year in Thailand to get everything sorted for the second year.
I'm just not certain if obtaining the 1 year Non-OA in Canada is really a possibility or if they'll only hand out the 90 day Non-O