Only my opinion. Since you are still in the US you can get a non-OA 1 year visa. Work with the embassy closest to you and file electronically.
The thing is people don’t like the insurance requirement but you can have the required amount in an American bank account. I think this is a benefit because though there is an insurance requirement, the money in my high yield bank account earns enough interest to pay for the insurance in 2 months, the remaining 10 months I’m making ~5% on the balance! A Thai bank account essentially pays NO interest at all (its pennies, useless).
this has been a silly criteria from my pov. The vast majority of Americans do not have pensions since the 80’s! They have 401k and/or social security which neither are considered ‘pension’.
I think you essentially answered your own question.
Admittedly some details are a bit of effort or a little difficult to understand. Example my very first visa application was rejected because my name on the application did not appear the same as my passport. Granted, it did not state ‘as it appears on your passport’ but none the less was a gotcha.
I see two sides.
If a person has the resources and eliminate the headache, why not pay someone to do the legwork.
The second side is trust. Is the agent honest, does things legally? You will provide your sensitive information to a third party, make sure they’re legit.