I paid everything except the skin graft up front. From here at least, the bank charges are very low, certainly lower than getting travellers checks done. Regarding cash, with a Visa Premier card I could withdraw 10000 Bath/day in ATM's and the only time I needed more cash, to pay for the skin graft, I did a manual withdrawal with my card in a bank at the Tesco supermarket near the Rama.
Regarding recovery, if you have no serious complications, you should be in pretty good shape after eight weeks but it does vary quite a bit from one person to another.
Wishing you all the best!
Donna