I’ve been living o. Koh samui for the last 18 years, it’s home, it’s a nice island, it gets busy in high season though, but I don’t have to go out much. Lamai is a great area, has everything, beaches, shopping, restaurants and bars . And the traffic in Lamai is ok, the Meanam side isnt. bolt is double the price at least to where you are now.
after high season you could find a place , just look on the many FB real estate pages, I wouldn’t live anywhere else