I made that same mistake, picking wrong visa type and someone here (possibly you, Brandon) directed me to chose visa type that says something with "not intenting to stay longer than 90 days", something like that.
Check in at the origin ask for the return ticket, if they do. It is their responsibility to ban you from embarking the flight or transport you back if any problems, not at the destination.
I will do it myself second time around. May even let my current "Retirement Visa" expire and do it anew. First time, there were so many things (to get a yellow book for my address, the condo I own) may take a month. Without it, and Immigration certification of residence, could not open a bank account even while on a 90 days "O" visa.
For the next turn, July 2026, I will have it all ready, even 3 months from now.
That Elite visa, does have some advantages if you want to go that way. In essence, it is like 8,000 THB a month rent for the right to breath Thai air. All else is your cost.
I know of Japanese Execs, getting it from their employers. Many of Japanese in Chiang Mai (Japanese like that place) are on that visa. As an extra perk.
TVC has had 100,000 clients like me, if you were right, it would have hit the media long ago. The only issue is that one may have their passport out of their sight for a period of time. To me, it was 1 business day. In Japan, to get my bio page certified (for taking my Superannuation out from Australia) I had to send my physical passport to Tokyo and it came back 2 weeks later.
Let me add this: no document had to be translated into Thai. It is me going for retirement, not my Thai wife.
My documents were: Australian passport, Japan Taxx File Number, Japan ID or driving licence showing my current address. We had condo ownership document in my name, in Thai, not sure if they needed it, they did not ask for other residence document.