as soon as your theoretically 2 years out of a Non-O/A visa are over, Immigration will require a Thai private tgia-listed Health Insurance. Your Allianz Global will not get accepted by Thai Immigration
while you can get another full year admitted stay on a Non-O/A visa if you enter before the visa itself expires, the period you get stamped in depends on the validity of your health insurance which you have to present the Immigration officer at the border. You won't get stamped in for any longer than the validity of your health insurance. During the "second year" of a Non-Imm-O/A visa, you have no more re-entry permit. In case you plan on leaving and re-entering Thailand, you need to buy a re-entry permit
no, the WISE card and the Revolut Card are not"real" credit cards. They are just Debit Cards. After having spent 200 USD on the WISE card per month, you get charged 1.75% provision on each purchase and withdrawal