that certainly is my experience (never being asked) and never hearing about it in forums either.
When you think about it, it would be a bit weird to randomly pick someone in rows of people being stamped entry (that probably don't have much cash, if any) if they have 20,000 THB or equivalent and then refuse entry when they don't, maybe even more so from Western European country nationals.
better safe than sorry, I guess. It's not like I'm concerned because I don't have the money, but I'm not prepared with a bank statement and could eventually get one.
I would think the requirement is to show a bank statement - that's how I applied showing proof of funds in Malaysia to re-enter Thailand with a tourist visa a couple of years ago anyway. For visas, some consulates ask for it. I've just never been asked on a visa exemption.
not really that often, I've been to Thailand three time (well, three entries last time too), but that was two years ago. I would have thought the fact that I've been to the country successfully (financially) would sooner reduce the odds of asking for proof of funds, but who knows.
You have to apply from abroad, like with any other visa, I can't see why applying from Europe would be any different than applying from Laos, especially when you can apply online.
There is a significant difference between the two, at least on at the announcement level (I'm not sure if coming into effect changed anything relevant to that): the DTV allows me to legally work in Thailand during those 6 months. I mean, sure, it's not like me doing any kind of work on a laptop while on a tourist visa was something I'd have trouble with, but it's good to have legal clarity and be fully compliant with the Thai regulations.