Everything you read and watched? Come on now, if you've done even the most basic research you would know that EVERYTHING is done online now and had been that way for several years. So...go to the website Brandon mentioned and apply.

Chris A Turner come visit first. Thailand had a lot to offer and every area is different. You get 60 days visa exempt and you can extend it for 30 days by visiting the immigration office where you are towards the end of your initial 60 day period. It costs 1900 baht and you fill out a form and get some copies of your passport. 90 days will give you enough time to decide what you like/dislike about Thailand and if you want to stay here longer. But FIRST, come for a visit.

Pascal Dumont Your 'correct' sentence is full of errors!

Alan Freeman you obviously have no idea what you're talking about 😒

Cathy Odgers I think that's specific to the NZ embassy. Although I'm not too familiar with it, I've seen a lot of comments suggesting to apply outside of NZ for this reason.

Ted Shelly I'm pretty sure you selected OA.

You must be applying for the OA, the O doesn't require insurance

Not much you can do considering you're planning on traveling tomorrow. I don't know if "fast track" can help you given your history of stays in Thailand, but it may be your only option.

As others have mentioned, you get 90 days stamped when you arrive in Thailand. Once you arrive you need to get a residence certificate and a Thai phone number (keep your receipt) so you can open a Thai bank account. Do this right away and transfer your equivalent of 800k Thai baht so it can 'season' for 2 months

This is the most common misconception - you DO NOT need the money to be in a Thai bank account BEFORE arriving in Thailand. You just need to show the required amount in a bank account when you apply for your Non-O and then AFTER you arrive in Thailand, you open a bank account and transfer your money into said bank account. You will need a residence certificate, Thai phone number attached to your passport, your E-visa, obviously your passport and an attitude of patience and kindness to open a Thai bank account.