a Non O is a 90 day visa you can extend from this based on marriage /retirement at most immigration offices or leave and come back till it expires getting 3 months on arrival ( no insurance required).
A Non O-A is a 12 month Visa and you will get stamped in for 12 months or the length of your Insurance every time before it expires.
Used wisely you can get 2 years from the 1 Visa.
You can also extend O-A based on marriage/retirement in Thailand but will need Insurance.