Its not that simple.
If using combo if accepted by your office you must also comply with the byzantine BALANCE RULES of 800k method applications as applied to combos as interpreted by that office.
Got a headache yet?
For example, interpretation of balance rules for 800k method applied to combo method. Hazy.
Not all offices even accept combos. Possibly most.
You are one person at one office.
My general all Thailand advice is to avoid combo.
Acceptance and enforcement of combination method is office dependent.
Even in the best cases combo method is complicated.
My opinion:
Expecting the combo method to work for you year after year is problematic.
You are retiring to enjoy your life not to add stress.
If at all possible use the 800k in the bank method.
My best friend in college who was not promiscuous had a condom break on him. Dead in his 20s.
Also remember in the early years we didn't even understand what it was.
Unfortunately its highly unlikely for the Russian people to directly topple the monster on top. But their pain could be a factor in encouraging insiders to act.