Neither is super expensive. But it's much better if you get the non-o before you arrive. Just make sure you enter that visa number on the TDAC and ignore the tourist visa.
You are given a Permission to Stay of 60 days every time you enter during the visa validity of 6 months from issue. You can extend each stay for 30 days in country.
This is the option I am using now. A 90 day non-o based on retirement is $AUD120 and if you meet the financial requirements easy to get and worry free.
No, you cannot ride a motorcycle legally in Thailand. I've never seen a 50cc motorcycle in Thailand. You need an IDP with a motorcycle endorsement to be legal.
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