Only fill in the fields that have a red asterisk. Departure dates are not mandatory so leave them blank. Indeed don’t even click in the boxes otherwise they’ll become mandatory.
If you have a certificate of residence you could try to open a bank account but these days the chances are slim to none without the help of an agent.
Which is better retirement or marriage is debatable. Marriage needs only 400k but way more paperwork and your wife to be with you at each extension. Retirement is 800k but way less paperwork and you can do it yourself without the need for your wife to accompany you.
For the initial Non O and the first year extension the 65k per month method won’t work. That will only work for the second and subsequent years. You’ll need a lump sum of 800K and I believe Jomtien require it to be shown as coming from overseas rather than a local transfer.
Getting the bank account will be the issue and almost certainly require an agents help to do so.
Also go to the website of the embassy or consulate you will use and check their requirements. Each have their own requirements and may differ from others’ experience who applied elsewhere