I've been in Thailand for 13 years and am now 73. I got private insurance a couple years ago when I needed it to get back after the pandemic. My advice is buy the best you can find NOW because it gets harder once you are in your 70's. Oh, and definitely work with someone like Robert Jackson who knows the ins and outs.
Believe what you want. I've got a Thai license so never a problem for me. Funny you call it "that country", like it is somewhere else and not where you live. Each country has their own rules. Maybe you should try reading them sometime.
I've lived here only 13 years but have had a Thai driver's license the whole time. Obviously, you haven't actually lived here since you would have one too. I'm assuming you do what so many tourist get by doing and that is slipping the policeman the standard 500 Baht for his troubles.