It always depends on the Immigration Officer. There is no legal limit on the number of times that you can use the Visa Exempt Entry. However the Visa Exempt Entry is intended for tourists. Thai Immigration considers that 90 days is suitable for a vistor to stay in Thailand as a tourist. If you attempt to enter on a second Visa Exempt Entry, many Immigration officers consider that you are abusing the system and will take you aside for further questions. Depending on your answwers to these questions the officer will warn you that you will not be allowed to enter in future on the Visa Exempt or my deny you entry into Thailand. If you reseach these pages you will see that recently many have been denied entry for attempting to enter Thailand on their second Visa Exempt. If you want to stay in Thailand for more than 90 days, then to be safe, obtain a visa suited to the reason for your stay.
I do that. I keep my 800,000 + thb in one bank account and use a second bank account for my day to day use. Works well but Thai bank interest is crap low.
For Retirement visa, 800,000 thb in the bank and complete the copies and Immigration forms. You get the visa on same day as you apply as long as paperwork is correct. Different paperwork for each of the manyu Immigration Offices.
It is always up to the Immigration Officer. Lucky that your wife was there to assist you. While the 2 x per year is o longer and in theory there is no limit to the number of entrys, the Visa Exempt stamp is only for tourists. As you have ha Thai wife and are in Thailand making regular weekend trips, it would be reasonable for the Immigration Officer to decide that you are no longer a tourist and deny you entry into Thailand. To enjoy regulular safe entry you need to get a long teerm visa appropriate to the reason for your stays.