When the first spin tells you nothing
Before you set a bet, you decide how long to keep playing, and that decision rests on facts nobody has yet. How often the bonus round comes in Clover Gold is not known in advance. The result of one session is random. A high RTP describes the average over a very large number of spins, not what happens to your balance in the next few spins.
Comparing Clover Gold with another slot means checking the game rules first, because the RTP version Sportybet Casino runs is shown only there. A figure quoted on a different page may belong to a different version. Read the rules, then decide how much weight the return figure deserves.
Choosing a stake because of the top prize means judging a ceiling that very few spins reach. The maximum win of Clover Gold is a limit, not a target, and no session can be planned around it. Set each stake by what you can afford to lose, and treat the top prize as a rare result.