While the touristy beaches bored me at some point, the local life in the cities actually was the most interesting part of Southern Thailand to me, thanks for bringing back some memories!
I couldn't help but notice the Krungsri ATM, I remember being shocked about the ATMs in Thailand charging me a fee of 200 Baht for every withdrawal which is a lot when you can get 10 coconuts for the same price! :D
I also carried quite a lot of money and paid with my card to avoid the high fees. I have a credit card from a German bank that does not charge me any foreign transaction fees and in almost every country I am able to use any ATM free of charge; Opening a local bank account seems like a great option for a longer stay.
You did a bike trip for a year around South East Asia? This sounds like an amazing experience. I have done some smaller trips for up to two weeks in Australia, but nothing compared to your trip.
Happy New Year!