30 days is plenty of time to open a bank account. No need to leave country y to get additional years. No insurance requirement, background check or medical certificate. Non-o is the way to go.
Depending on the free at your bank, swift is usually cheaper than wise for larger amounts (more than 200k). Transfer in your native currency, Thai rate for your native currency will be better than your bank rates for Bhat.
The goal of that banked money is to be a reserve for expenses (medical, emergency travel, family emergency). If the banks block the funds, what's the point of having it at all. Get hit by a bus and can't pay the medical expenses because the bank has a hold on your funds?