Thanks to life I've been out of touch with cryptocurrencies a bit sadly.
I remembered that I have some Ripple, and that raised two questions:

1. Is there a standalone client? Something like Bitcoin Core, or can transactions only be done via Gatehub? I have backuped the secret key of my Ripple address, but I want to create a new one where only I know the new secret and move my Ripple there.

2. Can a Ripple account get empty? I remember something like an "activation balance" that needs to be present, but what if I want to transfer every single XRP to my new address?