If the amount of interest from the savings account goes over the threshold you will have to file a return. The threshold used to be about €3200 but is now €5000 I think. I could be wrong about the amounts.
I don't believe either of the other two could trigger having to file a return. You might have to file a return if you start contributing outside of pay but I'm not sure about that.
The interest from the BoI saving accounts would be less than €1k.
And yes I think you are correct in regards to PRSA.
I think if contributions are made outside of the net pay arrangement then you would need to file a return to claim relief.
Also, If you sell your holdings in an Irish Life fund, this wouldn't trigger a tax return right?