Bonus timing and session results
Decide your budget before the first spin, because the bonus round of Big Bass Splash cannot be timed. How often it comes is not known in advance. The result of one session is random, and that holds whatever the RTP version is. An RTP figure describes the average return over a very large number of rounds, not the outcome of your next hour.
Check the game rules before you judge a version, because the RTP version in use is shown only there. Versions of this series list different returns, so the title you open decides the number that applies. Compare the rules only against the title you plan to play.
Plan around the bet, not around the top win. The maximum win is a ceiling that is reached very rarely, and no session can be planned to reach it. Each win is a multiple of the bet you place, so a lower stake lowers every payout in the same proportion.