Ok. A few errors here. You only need a TM30 if you have any interaction with immigration which under the "frequent traveller" scenario, you'll have none. So you get one from your landlord at some stage. No great rush. 90-day reports are only required if you're in the country for 90 days, and if you are, you do it by mail. I've yet to do one in person. If your immigration office requires TM30, you get it from your landlord, and post a copy with your TM47 form. I'm in and out of Thailand
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times a year and I switched from non-O retirement to DTV. Best thing I ever did. It's cheaper and I don't have to deal with immigration!
I don't have a Wise bank account either. I simply transfer from bank to bank via Wise. I don't keep anything in any Wise account. It's a transfer that takes a few hours. Never had a problem
Sounds like you're using a card for payment. If you use bank transfer there's no fee, not even with SCB, as it's classified a domestic transfer from the Thai bank account of Wise into another Thai bank account
Keep in mind two things, you cannot apply for a DTV whilst in Thailand, and secondly no landlord will accept a conditional lease agreement. At best you can rent an apartment and pay the 2 months + 1 month upfront and simply forfeit if you don't go ahead