Yea, I understand all that it just seems a lot more problematic and cumbersome. Will Immigration want something "certified" other than the bank statement? What are the costs of the monthly transfers? What if you cut it too close and the exchange rate catches you one month? And if you are a married couple like us you have to stay on top of this double. But I can see if you don't have 400,000 to set aside the monthly route is your only option.
We are an American couple that have been on separate retirement visas for 10 years. We were told by immigration we could change and have one of us go on the others as a dependent but we needed a certified marriage certificate.