Plan for a result you cannot predict
Decide now that you will play without knowing when the bonus round arrives. Nobody can know in advance how often it comes in Sweet Bonanza, so no session follows a pattern you can read. The result of one session is random, whatever the RTP. An RTP figure describes the average over a very large number of spins, not what happens in the next hour of play.
Check the game rules before you start, because the RTP version Surge Casino runs is shown only there. Two versions of Sweet Bonanza exist, and the rules name the one you play. The gap between the two is small, but it is still a gap you should see before the first spin.
Treat the maximum win as a ceiling, not a target. Sweet Bonanza's maximum win is 21,100 times the bet, and players reach it very rarely. The figure describes the game's limit, not what your session will pay, so set your bet and budget in advance.