I read here frequently people are denied and that is the reason cited. Surely it would be prudent to carry for multiple reasons as well as meeting all the other entry requirements?
You will not be able to purchase Thai health insurance, even with exclusions.
I recommend you purchase one year (max) of travel insurance (ie WorldNomads.com) before you leave, to take effect the day you depart your home country. This will be about
$1k USD.
If Thailand eventually decides to make visa health insurance mandatory, you will have a limited period of time to sell everything and go home.
I would assume not having done any 90 day reports would make it quite difficult to receive a Certificate of Residence in order to accomplish every day tasks like open a bank account, purchase a vehicle or renew a driver’s license.
I would also assume a failure to report would negatively impact my annual visa extension application?