@Bryan ******
the visa was designed for the snow bunnies in mind seeking refuge from the cold winters.
There is no requirement that you must bunk down at the place prepaid for 90 days. And some creativity may allow you added freedom at less cost.
Be aware that this visa cannot be extended beyond 270 days and cannot be changed into any other visa inside Thailand
Read the requirements of the STV listed on your home country Thai Embassy website...meet them and the STV visa is yours for up to 270 days in Thailand.