of course, if you did your DTV legally there's no worry, but you are always at the mercy of the officer, since it's still new you never know if they want some extra document that was not needed at the embassy, since the documentation required it's still not standardised it's very possible that you may have provided 1 month bank statement because your embassy asked that, while during the extension may need 6 months, then you need to book another appointment and do all the procedure again.
For extension is very very possible they require all documents again, there was a post yesterday by a user that did TM47 and asked the officer about it, just dig in the group, it's best to fly out and come back, avoid the extension to avoid complications.
Depends from the embassy, some start to require payslips even for soft-power activities, there are some post here in the group, so really depends where you apply.
I got accepted with Revolut, many with Wise, but ask the embassy you are going to apply to, it means nothing if this person got it with Wise at embassy X if you apply at embassy Y, they may or may not accept.
Also you are doing all this mental gymnastic for 40$ a month of interest? That's totally not a good start if you plan to move/live abroad and worry for 40$ a month