Are you asking if you can move visa wise then yes no problem you can get a visa based on family, if you are asking financially wise then sadly i would say no unless you have a way of earning whilst you are here, otherwise that money has to last you the rest of your life. You need to factor in many things eg. Inflation, your 2k a month now wont buy as much in 20 years time.
I’ve only ever had problems with the Sheila’s nothing to do with sexism just fact. Avoid them in my experience. I got grilled for the first time in years a couple of days ago, unusually all the IO’s on duty when I arrived-Sheila’s!
Might be worth considering the price of flights from Samui, unless you dont mind doing long bus rides for your border runs, flying border runs are a lot more expensive from samui than anywhere else in Thailand.
The 90 day in 6 month is an unwritten type rule by which the immigration officer might question you a litlle more deeply if you were regularly visiting Thailand using visa exempt entries as a way of spending most of the year here without the correct visa. In your circumstances you have nothing to worry about. As people have said there is no such official rule but they do use it, I have had to explain myself a few times over the years, however its nothing you need to worry about.
Why you say it’s difficult? Just apply online for the 90 day visa for visiting family then extend your once here. It’s very simple costs £60 I usually get mine issued within a couple of weeks of application.
Annoyingly cant be done from UK, like others said you need the schengen visa which you have to get in Thailand. Ive not looked into it deeply but my first impression is to get the schengen you need to have your europe trip booked. which is annoying, It would be good to be able to book a last minute flight and nip over to spain for a long weekend. Turkey is doable but a 4 hour flight, great place though.