with the non-OA, some immigration offices might allow it and some might not. It's very difficult to plan around it because if you ask at the beginning of the 1-2 years you can get with the non-OA and then go to make the switch after you've been in Thailand for 1-2 years, the answer might have changed by then.
you only have 2 options for the first 1-year extension from a 90-day non-O visa. Embassy certified income or 800,000 baht in your Thai bank account. It doesn't matter if you have 10 years of monthly transfers, it will not be accepted for the first 1-year extension.
If you get a 90-day non-O visa, and then get the first 1-year extension using 800,000 baht in your Thai bank account. Then during this first year you can transfer minimum 65,000 baht per month as an international transfer into your account, you can use this for your 2nd annual extension. What happens with the 65,000 baht is irrelevant. It's for you to use however you want, once it is transferred into your account.
This is the base reason all of this is happening now. The banks simply don't want to accept any liability. If there's even a .01% chance you might cost them money, they won't do business with you.
Officially there is no "retirement" visa, there is a non-O visa based on being 50 or over. So logically, the only people who can get that visa are those who are 50 or over. If your embassy sells the "trailing spouse" visa, then your wife could get that based on your non-O. But we haven't heard of any embassies that sell this anymore for a non-O holder as of this year. Some embassies will still sell it if the initial person gets a non-OA visa, but that has much higher requirements than the non-O visa.