There isn't the one "experience" as every immigration officer and situation is different. Most of the time things go smootly but there are just No gurantees in life especially with Thai immigration 😉
Luckily opened a K-Bank account back thrn. Lost my bank book once while on DTV. Got a new one without issues. But K-Bank might start to do the same ...
it is possible to own a car though, as you will only need a residence certificate, which they issue also in tourist visas. My Thai wife bought her car with cash