When a session runs cold and stays flat
Deciding whether to keep spinning for the bonus starts with one fact you cannot check in advance: how often the bonus round comes. Nobody can know that before the first spin. The result of one session is random, whatever the RTP, so a short session can end well above or below its starting balance.
Checking which RTP version is live starts with the game rules, because they are the only place that shows it. Read those rules before you compare the versions in the table on this page, since the table lists the versions but not which one is running.
Treating the top prize as a plan means accepting that the maximum win of Sweet Bonanza, x21,100 the bet, is a ceiling reached very rarely. The figure states the most the game can pay on one bet, not what a session will return.