No you don't have a 90 day visa, you have a 60 day tourist visa. When you are issued a tourist visa, you must enter before it expires before 90 days. Right now you can extend for 30 days and then also get a COVID extension after that, if needs be.
Did you consider ditching the OA visa and changing to a NON O while you are home, so you can try to avoid the long insurance requirement? Then you just need the COVID insurance (which your current insurance covers). You can then get a year long extension of stay in country by transferring, and showing, the required funds in a Thai Bank account. Something to consider at 70, with insurance options difficult to get. Also other options are to change to a NON O retirement visa inside the country, and then extend that. I am sure someone will correct me if I am wrong.