Will the free spins land this visit?
Choosing a stake for a session means accepting that the bonus round is not due at any point. How often it comes is not known in advance, and no figure on this page predicts it. The result of one session is random, whatever the RTP says. A 96.50 RTP describes the return over a very large number of spins, not the outcome of your next hour.
Checking which RTP version is live before you bet means opening the game rules, because they are the only place it is shown. Sugar Rush comes in several versions with different RTP figures, so the title alone does not settle the question. Read the rules before you spin.
Planning around the top prize means planning around a ceiling that is reached very rarely. The maximum win of Sugar Rush is x5,000 of the bet, a cap on the payout rather than a target. Size each stake for ordinary results instead.