Just giving my 2 pence worth. I use an agent, 12,900 baht because.
(1) I split my time 8 months Thailand and 4 months UK.
(2) I am asset rich and cash poor. I dont have 400k/800k to leave in a Thai bank but I own outright my UK house £350k and with my Thai wife our house in Thailand 7 million baht.
(3) I have a net UK monthly income of £2300 or just over 100k baht
(4) I dont wish to transfer 65k over a month. Much rather pay by no fee credit card where I can and transfer over via Wise 10,000 baht for cash when I need it.