I cannot see house address on my True account, only my name. The True certificate for BKK bank also includes only name and registered phone number. No home address. Which means prepaid Sim will be just fine.
fees are % of the transaction the % decreasing with higher amounts. SWIFT transfers are a fixed fee hence some people believe they are cheaper for higher amounts yet they do not check the exchange rate whereby Wise will always win top spot.
You will find it much easier to apply for Non-o at your home embassy (with your local bank account and proof of address). As it is all online I am not sure whether you need to be actually in the home country. Once you re-enter Thailand you will have a proper 90 day visa which allows you to open a bank account. You will find it (certainly) impossible to open a bank account on your current 60 days exemption.