First there are the visa requirements and then there are the 1 year extension of stay requirements. I will leave it to the moderators to answer whether you need to double everything or not. I believe there is a way for a spouse to follow your visa. In any case, I mention the income method because you can spend that money down each month and you are not leaving money unused in a Thai bank. You can do as you suggest and leave money in your home country and bring money in monthly.
I got my bank letter on a Friday and went to Immigration on a Monday. I had a small problem that day. They told me that they would keep my paperwork and she reminded me that the bank letter would only be good until Friday. I returned on Wednesday and completed the extension application. At least on that occasion they were OK with a week old bank letter. My philosophy - don’t wait for the last day.
I can report that there was no line to file a 90 day report at MTT last Thursday. I arrived just after 9am and literally walked through the process and was out 10 minutes later.
There may be more requirements for an OA so you need to look at the details for both to decide but the logistics of an OA may be preferable. Good luck.
If you get an OA you can use money in you home country bank accounts. Once you get the OA you just arrive and there is nothing else to do. If you come on a non-O then then while you are here you will have to open a Thai bank account (if you don’t already have one), transfer the money, and then go to Immigration to apply for your year extension. Question: do you want to be occupied doing that after you arrive?