that is an extremely confusing way to say you must do the 90 day report in the area in which you either live, or had a TM30 done for you. I Have not had a visa, nor extension, done in Thailand. Your comment would mean nothing to my situation, and it sounds like, the OP's situation.
you cannot 'retire' in Thailand for "2 years". You cannot use funds in your old countries account/currency to get an extension for ANY non-immigrant visa; O or O-A.
if you were on the O A visa as he stated he wants, doing the 65k transfers, then he can get the O A extension based on the 12 previous months transfers into a Thai bank account. He does not have to go back to home country and start again. Or am I missing something?
you do not have to bank the money. You can also extend on the 65k a year being transferred into a Thai bank IF you transferred 65k a month for the 11 months before you apply for the extension.
the Thai embassy cannot give you extension. Only immigration in Thailand. If you go to embassy in France, you start over from the beginning again. Because in France you are not an extension. You are a visa.