This is the rule for all visas, with exception being those on extension of stay based on marriage or retirement. These people can buy a re-entry permit which keeps their TM30 alive. All other visa holders have their permission to stay cancelled when they leave and have to re-register their TM30 upon their return even if they are staying at the same address.
Your 90 non-O visa does not activate until you enter the country, and this has to be done before 10th Oct 2025. You can also apply for a 60-day extension based on visiting your wife without providing any financial proof. You can also request a 12-month extension, which has to be done within the last 30 days of your initial stay. For this, you need 400k baht in a Thai bank account in your name, and the funds must come from outside of Thailand. Once you have applied for this, you will get an under consideration stamp in your passport. This is usually for 30 days, but can be 60. During this consideration period, you can purchase a re-entry permit, allowing you to leave Thailand and return without obtaining another visa.
The first 24 hours of an overstay the fine is waived. If more than 24 hours then the fine is 500 baht per day, plus the first day, The maximum fine is capped at 20,000 baht