nothing negative about wanting to feel secure where an accident of some kind is so much more likely than in home country. I can get on with life knowing I will be well looked after should the worst happen.
You will be relieved to learn that your future 90 day REPORTS (TM47) will take about
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of the time it took you to write your post. If you get it set up correctly which is not difficult. Personally, if I had to go through what you did 4 times a year I would just pay the fine and have done with it.
All the people that I know with Elite visa now regret getting it especially after what has happened recently. I have no issues with having the non O based on being over 50 based on monthly payments into a Thai bank account. It also means I can choose whatever health insurance I like. Get the 90 day visa before you co.e to Thailand as it will make it easier to open a bank account. Then do the necessary to get a 12 month extension.