I Retired last Sept. Well past due! I'm planning the 800k route but could do either. Im not overjoyed about losing the interest on that amount I currently get but at least it gets me in to Thailand easily. If I end up long long term I'll consider moving to monthly but for now its the lump sum. I don't need to touch it, i have monthly pension income.
You can spend up to half of it but not a penny more and must be back at 800k three months prior to visa renewal Cheers.
You might get a better answer by starting your own post with the exact issue of address and the TM30 in your case. Folk will look at this post and may not see your question. Good luck