I'll be brief 
anyone buying into ripple today runs a considerable additional risk because today, it's not open sourced, not decentralized and not verified.
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Re: Ripple: A pre-mine? Does it matter?
yes, it's a premine and yes, it matters. Note: The following analysis assumes that the Ripple system eventually becomes open sourced, gets decentralized, and that rigorous mathematical analysis proves that the system is robust and fulfills its technical promises.
Your whole analysis is moot until these assumptions become true (if ever)anyone buying into ripple today runs a considerable additional risk because today, it's not open sourced, not decentralized and not verified.