Check the RTP version in the rules
Choosing your bet means choosing a session you cannot predict. How often the Free Spins round arrives is not known in advance, and no review can tell you that frequency. The result of one session is random, and a 97.09 RTP describes the long-run return over very many spins, not what happens to your balance tonight.
Checking the RTP before you bet means opening the game rules. Playtime Casino shows which RTP version it runs for Lady Wolf Moon only in those rules, so the rules are the place to confirm it. Read them once before your first spin.
Picking a bet with the top prize in mind means planning around a limit. The maximum win of Lady Wolf Moon is a ceiling reached very rarely. Treat the figure as the highest amount the game can pay, not as a number you can expect to see.