Seems like a lot of gambles. It's possible everything goes fine, just depends on the officer in front of you, but better to have the money on your account for a while to avoid nasty questions, and better to apply some time in advance so you don't have to border run, as it's literally illegal to be in process of application while in thailand.
chatgpt has been documented as being horribly wrong and contradicting itself. Check the government documentation is the only viable way, and even then it changes to the point of immigration what rules they enforce..
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