The last sentence is the best. I totally agree.
However, it's not as you said. My Thai insurance does not increase and is of course acknowledged by Immigration. So it's not depending on age. But, in case of an issue/hospital it would increase. And if it is fun to do all those border runs (they won't be for free) ....I doubt it. I prefer to live hassle free.
But thank you for your comment, though nothing new.🙏