I don't know which one the OP is referring to, but when I stayed in Khon Kaen for a while and extended there they wanted to see my lease. It was only a six month lease, but they accepted it. Some offices are more anal than others. A buddy of mine was staying long term at a hotel and they accepted a letter from the hotel detailing the arrangement
Who cares? We live in a "it's all about me" society these days. The guys who have paid bribes for years to get their retirement visas are continually excused. Now we have Muay Thai operators offering the same as what scamming agents have done for years, just in different clothes. It's all the same. It's corruption, but hey, who really cares?
Agree 💯%. I'll be switching from non-O retirement to DTV early next year. I'm in and out of Thailand several times a year. Financially the DTV is cheaper and the HUGE bonus, is no trips to immigration every year with 15,000 documents to prove I'm worthy of another year!
If you have an insurance policy in your home country and your insurance company is willing to sign the certificate, you can use that. Otherwise you're stuck with the Thai insurance company. And yes, you apply for the OA in your home country, although since introduction of eVisa in many countries, some people have reported they've been able to do this from other countries, although you have to show your flight details from your home country to Thailand
There's no downfalls, other than the fact that you do need health insurance, and show proof, either a certificate from your home country insurance company, or one of those expensive jobs from Thailand.