You can get a 30 day extension in Thailand. Thus you only need to leave and re-enter once. Yes, you get the full 60 Days on re-entry, just be sure to have paper copies of MEV, and hand it to immigration officer, and check you were stamped in for 60 Days.
You can go Visa Exempt good for 45 days, soon to be reduced back to 30 days. Or get an E-Visa or a Multiple Entry E-Visa, good for 60 Days. On any of these you can get a 30 days extension.
The best beaches are on Koh Larn, an island just off the coast, a short ferry ride from Pattaya. Main land Pattaya, I like the A-One hotel chain. Also, LK Emerald Beach, in Naklua was great, on the beach, and one of the better be beaches in Pattaya.
If you open a Bangkok Bank account, you can (or at least I can), transfer direct from some US accounts to Bangkok Bank, at a great rate. Because Bangkok Bank has a branch in NYC.
What I do is stay in Thailand 2 months or so on Multiple Entry Tourist Visa. Go back USA for a couple of months. Thus, my December Entry was my 3d Entry for 2022. No questions, no problems yet. Going into 2d year of this schedule.
1st things 1st. Slow Down. You only visited Thailand one time. Visit Thailand several more times on a Tourist Visa (60 Days) or Visa Exempt. Get to know the country and the people, a lot more, for a couple of years. Save your money and slow down.
Book now, with an online site which states free cancellation, until a few days before your stay. Sometimes, your credit is not even charged until a week or so before your stay. Make sure this is clearly stated. I find Agoda has the best rates in Thailand, and I never had a problem with canceling and refunds, when it was provided for.