Before the reels turn, not after the big win
Deciding to wait for the bonus round means accepting that nobody can say when it will come. Free spins arrive at random, and no table or past result predicts the next spin. Two players with the same bet can finish a session far apart, since the result of one session is random whatever the RTP says.
Choosing where to play starts with knowing which RTP version runs in our lobby. That detail appears only in the game rules, and you should check them before you set a bet. The rules show which figure applies to the game you are about to play.
Weighing your bet against the top prize means remembering that the maximum win is a ceiling, not a target. Hitting it is very rare, and nobody can predict whether a session gets close. Treat the top figure as a limit on what the game pays, and size each bet to the budget you set before you sit down.