A second account is a very good idea as you can keep your big money in one account and use the other for operating expenses using ATM card and QR payments. A FX account can also be useful.
See Spine Balance Clinic around Ratchadamri. Chiropractic doctor is excellent and physical therapy is provided during each visit based on your needs. Cost is very reasonable too
Have used Nord VPN for a couple of years. Works well with YouTube tv which is not permitted in Thailand. For Netflix they advise you to stop using in USA before end of billing period and start up again in Thailand. I really like the Thai Netflix content. Your billing charge will not change.