What's her stay history? Did she max out the free stamps and get extensions? If so their days of waltzing in are numbered. Immigration will likely pull them aside for questioning.
Always inform passport control officers of your visa by printing it out as instructed on the evisa website and showing it to them along with your passport and TDAC.
Besides the defined amount of 500k what the embassies are looking for is financial stability and Independence. Having around 500K and then sinking a bit below one month is not a detriment in the big picture. Will you include your October statement?
After you upload your passport photo the OCR will read the data and fill in the zones. It's your job to triple check, edit if necessary and make sure everything is correct before submission. Mistakes in biodata are an immediate cancelled application.
Use the visa exempt stamp for as long as you can till/if passport control confronts you. You are genuinely regularly holidaying here and shouldn't raise any red flags. I think it's easy enough to explain your regular presence in the country.