“Married” visa or “Retirement visa” both need to be extended yearly. The difference is that for the retirement option you need more money in the bank (800k THB vs 400K for the married option) and you will never be allowed to do any work. The married option requires a bit more paperwork but is cheaper and offers more possibilities. If you stay long term I would go for the married visa. The chances of getting a permanent residence status or citizenship are very remote.
One advantage of Wise is that you can block the exchange rate when you order the transfer. You cannot do that with banks, they will just transfer at the rate current when they launch the process.
it depends where your Wise account is domiciled. If you open a Wise account with a UK address you can get a Wise multi-currency debit card and use it in Thailand. If you open a Wise account with a Thai address I think you cannot get a debit card, you can only transfer or withdraw from ATM.
I have done it previously, multi entry visa, valid 1 year for 90 days stays. You can enter Thailand anytime during the year validity but stay only 90 days each time.