I did it on a visa exempt (extended to give enough days), I have a condo and someone who spoke Thai helped me. They didn't tell me about insurance till I'd done everything. . I was so annoyed but after an hour waiting, leaving and coming back next day with extension, an hour doing application, I didn't want to leave without my account. 5,000 tbt ins, no need to renew this. The only thing that was a real problem for me was 2 forms of photo id.
my flights from UK to Phuket have included 2 flights with different airlines. Because they were partner airlines baggage was transferred between flights, and no need to collect.
in what way is it more complicated? I think it's easier now because tickets I've bought are sold to include transit flight links with baggage going on to destination.
the NHS isnt in a state because of non British born people. In fact if it wasn't for so many non-British doctors, surgeons, nurses, ancillary staff it would be in a worse crisis. If you want to blame anyone, blame the govt.