Thank you @DrJack54 for the comments. Now I realize Visa-On-Arrival is for one group of countries and Visa-exempt is for another, including USA where I'm citizen. I see starting October 1, 2022 VOA now gets 30 days instead of 15, and exempt now gets 45 days instead of 30, but only until end of March 2023.
Also (including @BritTim and @khunPer) for "non O" visa considerations.
I have a question, can I still get a 30 day extension to this new 45 day exempt visa? I understand that if entering by land or sea I can only border run twice per year, but if entering by air there is not limit. Can I get 30 day extension for every exempt visa entry?
I understand that there are three "non-" (meaning "non-immigrant") O types:
"O" for family stay, e.g. if I marry my Thai girlfriend, which is good for 90 days but can be extended?
"O-A" for "retirement" (I'm over 50 years old) type, good for one year, and then can be continuously extended every year.
"O-X" also for "retirement", but good for five years, and then can be extended another five years, (and then what?).
For O-A I need to open an Thai bank account, transfer and maintain ฿800k (more for O-X), I can do that. Hopefully an interest bearing account. I understand I also need health insurance. While my USA plan covers me internationally, it's only does so for emergencies, I need to pay and submit for refund. I plan to get international health insurance anyway. I found this link that details ways around the health insurance requirement: https://www.thaiembassy.com/travel-to-thailand/health-insurance-thailand-for-retirees Any suggestions for international health insurance, covering at least all ASEAN countries (maybe topic for another post)?
So now my plan is to arrive on exempt visa, get extensions and do border runs, and depending on how things go eventually work with Thai agent to get O or O-A visa. There is also the elite visa, but I don't see reason to spend that much.
Comments? Thank you, Joe