How often will the bonus round come?
Deciding to spin Lucky Lightning means accepting that the bonus round may not arrive in any session. How often the Free Spins come is not known in advance. The result of one session is random, whatever the RTP version running. Past sessions do not predict the next one.
Choosing how to read the RTP starts with the game rules, since which version this site runs is shown only there. Open the rules inside the game to confirm it before the first spin. Keep the rules at hand for the whole session.
Setting a bet with the top prize in mind means treating the maximum win as a limit, not a goal. Lucky Lightning's maximum win is a ceiling reached very rarely, and no session can be planned around it. The figure on the paytable describes a payout, not a forecast.