I entered 5 times visa exempt via BKK from late 2018 to August 2019 each with at least a month in between and each time with a return ticket. Never got asked a question from immigration, my final and 6th entry in October 2019 was on a one way ticket and a visa in my passport.
I'm still here and married please send a rescue team😂
I'm no expert by my understanding is if the marriage was to end or she was to pass away you can no longer extend on marriage. You can extend on retirement assuming over fifty by parking 800K you only need insurance if it's OA on retirement