Accept that bonus timing stays hidden
Each spin on the reels lands its symbols at random, and nothing on screen shows when the free spins will start. How often that happens is not known in advance. The result of one session is random too, whatever the RTP version in play. An RTP figure describes the long run, not any single session.
The reels run on one RTP version at a time, and the game rules are the only place that names it. Check that line before you compare the figures in the table. The three versions sit close together, so the gap between them is small.
On the reels, the maximum win is a ceiling that is reached very rarely. The cap is a multiple of the bet, so its money value grows with the stake. Read it as a limit on what the game can pay, not as a target for any session.