You have the choice of
1 OA visa which you apply for in your home country & requires proof if 800k equivalent each each plus quite specific health insurance. You can show the funds in your home country but they will need to be moved to Thailand before you can extend the OA visa & will need continued health insurance.
2 Coming on an O visa ( or tourist visa which you will later convert to an O) quickly opening & depositing 800k & then applying for retirement extension.
It is possible for 1 of you to hold the visa & 800k & the other to be a dependant but you will need to have your marriage certificate certified & legalized or you will both need a 800k account each.
At most immigration offices you can show 12 monthly international transfers of
*****
instead of the 800k for your annual extension.
A lot of people do find the process confusing & use agents & they do have their uses but it can be costly & sometimes result in non legitimate visas.
Bear in mind that an extension actually costs 1900bt each & if you can open & fund a bank account they really shouldn't be needed.