, you got lucky this time. Residing in a foreign country is a privilege, not a right & they do have the right to refuse you entry or a stay permit based on their discretion (that's the ugly fine print).
Knowing the rules/regs and how they are implemented are two very different things here.
I'm on an extension of stay (NON-O) based on marriage, so I don't have to park as much money vs. retirement, but I think it's 3 months for a 'marriage visa'....not sure about guardian?
I asked the lady there the same question....she said, "No problem since you're renewing within one year of expiration". If I had to guess, the police will give you a fine anyways.