DTV with a letter from Bumrungrad. They actually contacted the Thai embassy/consulate in Vancouver. It was approved in hours.
As for the 800k, that's a personal choice. For me it was worth it for over a decade to not have to be concerned with border bounces, etc. At least with the DTV that money is no longer in a Thai bank.
I've had Thai bank accounts since the early 2000's so can't comment on opening one now. I'm sure with a bit of ingenuity it can be done though.
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