There are many threads on this and you seem to ask very similar questions.
No such thing as retirement visa marriage visa etc.
You would be obtaining a non O based on marriage OR retirement.
You can apply for either in home country or nearby places such as Laos, Vietnam etc .
You can even obtain either in Thailand from a visa exempt or tourist visa entry.
Being able to obtain a non O without funds in Thai bank account outside of Thailand is no problem however the extension couple of months later requires funds in Thai bank account in your name only.