Can anyone predict when Fruit Party pays?
Deciding whether to chase the free spins is a choice you make without knowing when they will land. How often Fruit Party triggers its free spins is not known in advance, and the result of one session is random whatever the RTP shows. Two players with the same bet can finish with very different balances, even when both play the same number of spins.
Deciding which RTP to trust starts with the game rules, not the lobby label. The RTP version running here is shown only in the game rules, so check it there before you bet. Fruit Party carries a single RTP version, and that figure is an average over a large number of spins, not a promise for one session.
Deciding how much to stake against the top prize means reading the ceiling first. The maximum win of Fruit Party is a ceiling reached very rarely, so treat it as a limit on the payout, not a target for the session. Stake sizes change how large that ceiling is in money.