You have a few things confused. The fact that you do not have a Thai bank account is irrelevant to your Thai tax liability position. The fact that you pay US tax on your income does not prevent Thailand also taxing your US income when you are a Thai tax resident. The fact that you are not bringing in income into a Thai account is irrelevant. The facts are that you are bringing in funds into Thailand and that may attract a Thai tax liability.
Absolutely get the Non-O visa based on being over 50 from Switzerland before coming to Thailand. Can then enter on a one way ticket and can then open a bank account in preparation for applying for the 1 yr extension of stay.