You're probably right unfortunately and I agree that many could think and research a little more before posting a question. I'll stick to being kind and respectful anyhow. Doesn't hurt anyone.
I got a Non-O visa inside Thailand whilst here on a tourist visa (which I had extended by a further 30 days). If I recall correctly I had to apply for the Non-O visa with more than 23 days left on the tourist visa. It's not possible at the moment of course and I guess it may well be different rules when all this blows over.
No matter what comment someone wants to make on a post I think it should be polite and respectful. Helpful if possible. You get so much more out of life by just being kind. :)
Thanks for all your comments - much appreciated! I had already understood that I should only pay out what I would be prepared to possibly lose - but of course want to do as much as possible just in case.