Loads of posts like this. The answer is no you can’t, but some have done so.
Some embassies may require you to attend an interview at short notice, some may ask for a copy of all your passport pages and will see your latest entry stamp.
Whether you want to risk your application being denied is your call.
You do need insurance for a Non OA and for subsequent extensions from it. You don’t for a Non O. Any websites that you see that requirement are probably going back to the Covid era when it was mandatory. It isn’t now.
You’re missing the point that if you apply for a Non O visa based on being over 50 from the UK you don’t need insurance - nor the medical certificate and police check.