You will get away with it a few times then you risk being denied entry. For a guardian visa I'm not sure how that would work when you're not actually the guardian as you spend so much time out of Thailand. How old are you?
in that case as Graham says get the 30 day extension, followed by a 60 day visiting Thai family if you have a Thai wife and hopefully that's enough time for your funds to arrive. For the initial non-o visa you don't need seasoned funds at most immigration offices
For a marriage visa you need 400k in a Thai bank account for 2 months, but if you don't already have an account you won't be able to open one on a tourist stamp. If you are already married to a Thai and have documentation to show, leave to a nearby country and apply for a 90 day non-o there, return to Thailand and open an account then transfer the money. As for an METV you normally have to apply for that in your home country
you are applying for the wrong thing, if you will work remotely from Thailand at any point in the 5 years you need to apply for the workation option. You can still do Muay Thai alongside it, but you can't work alongside Muay Thai. The options are quite distinct.