I don't understand your post.
Using income method you need to show 12 monthly transfers of 65k+
Yes you could perhaps stop the transfers in last 2 months prior to application for next extension and place 800k in the bank to change to funds in the bank method.
But why would you. Just continue the monthly transfers right up till next extension and also have the 800k in bank two months prior.
Yes overlap.
If there is any issue with immigration you are covered and can continue with income method
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