wise does not have that limit. that limit is only for instant transfers, over that can take a few days but certainly those go through. one can lookup this on their website.
"most are all at the same price" it's not the agents that set the price, it's the owners of the condo setting prices. they're not going to list with one agent cheaper than another. if that's where you want try to determine how many vacant condos are and then attempt to have an honest conversation with an agent you like. different rooms in same complex might have some better improvements vs the average there, or better view, higher floor, etc, etc
what you're missing is that many airlines/gate agents do ask and I get interrogated almost every time before I get my boarding pass, no onward tickets no boarding pass, not flying. Also IO can ask, just because you've been lucky doesn't mean much and when the new ETA comes out that's done automatically
This group seems to get same/similar posts several times a day. If someone's traveling
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way around the world, and then wants to hope they get lucky vs spending a few $$ for an onward ticket, is just beyond me. As for bus tickets, I've never tried, but have read the reason IO's won't accept that, as they go to the boarder, and do not go into another country, so the ticket isn't proof of onward travel outside of Thailand, just proof you're going to a Thai boarder town.