The session before your first spin
Torpedo Symbols land when they land, and no schedule tells you when three of them will line up. A session is random from its first spin to its last, and the 96.16, 96.24 and 96.55 figures describe a long run over many players, not your next hundred spins or tonight's balance.
Which of the three versions is loaded here shows up in the game rules panel, in the paytable rather than on the lobby tile or the help card. Read it there before you stake anything, because the figure in play is the one on the screen in front of you.
The x100,000 top prize is a ceiling, and the climb to it runs through a Total Multiplier that has to keep climbing. Reaching it is rare, so treat it as the outer edge of what the maths allows rather than something a session delivers.