You need to have more than 15 days minimum (more at some offices) remaining with the tourism entry stamp for you to be able to apply for an in-country initial Non-B visa.
Burmese on a 14-day entry stamp can apply for a 30-day extension, but it's not for tourism purposes, it's based on the Embassy's request.
I have never heard someone can apply for an in-country visa with an extension based on an embassy request (except special cases during the early stage of Covid chaos), you need to check with the local immigration office whether it's possible.
Check with your local immigration office for their detailed requirements, but there is no general rule on funds being transferred on the same day every month.
Some offices require you to transfer 65K at once per month, most offices accept monthly transfers "total" of 65K baht, like you said "35K + 10K + 20K.
If you can provide 12 times of monthly transfers of 65K baht as your local office requirements, you can switch.
Thank you for the report. So Phetchabun office is another one that requires 2 months of seasoned funds for an in-country initial Non-O visa based on retirement.
Yes, some reports say that property visits or interviews were required for the initial visa based on retirement at some offices.
Your accommodation could be under your partner's name. As landlord's documents are required as well at some offices.
A 30-day tourism extension is added (top-up[) to your tourist or visa-exempt entry, not starting from the day of application. You don't "lose" any day of your tourism extension by applying earlier.
, You can apply for an extension from 45 days before until the very last day on your current stamp. A minimum of 15 days before is a requirement for an initial in-country visa application, not for an extension.
You have to go to the immigration office that issued your extension to cancel current exntension based on studying before you head to a land border. Some land border check points don't let you leave Thailand with uncanceled extension based on studying.
Then you will be able to enter Thialand on visa-exempt or tourist visa depending on your nationality.
No rule on maximum stay in Thailand regarding only immigration regulations.