It sure will. I have tried a 190g payload and it works just fine.
No gimal is needed since the drone is very stable for most of the time, and espacially if you fly slow.
Your mini3 won't be able to lift that much weight, and no gimbal means your image will constantly shake all over the place. Apart from that it's standalone, so it'll "work".
So my idea is this:
1. Buy a light weight phone. There are some really small ones around 100g.
2. Buy a mini thermal camera like the xinfraed t2 pro, weighs only 25g.
3. Plug the thermal camera to the phone.
4. Attach the phone to your drone...
$3 - $4000 Options
Autel Enterprise Lite with 640
Used Mavic 2 Enterprise Advanced 640
$4 - $6000 Options
Autel Evo 2 640T 640
Mavic 3 Thermal (Best Option) 640
$25,000 +
Matrice 350 with H20T or H30T
There are other options but the above are...