It's an O-A. You get stamped in for 1 year every time you enter during the visa validity, even on the last day. The border bounce in Feb is the right thing to do.
Or do a border bounce to get the second year before the visa expiry date with extended insurance. It doesn't need to be your Australia trip. But with the the extended stamped date you'd need a re-entry permit.
Then why quote as though you are an authority who has reliable sources of information? As soon as someone says "do the research" you know they're wankers. Haha
There's a few small fees here and there. Sometimes 20 baht and maybe a few hundred baht annually for the card. No fee for deposits in baht through Wise in my KBank account. Well worth the fees avoided for ATM withdrawals.