Instead of changing out BTC for XRP, you could just put some small amount of fiat into XRP, in case we are right. Ethereum too had its nay sayers when it was trading below $10. BTC has had it's naysayers for it's whole existence. Yet anyone who would've put an amount of money in the two would have seen it multiply many time by now. No real harm in doing the same with XRP, even if you keep all the BTC you have. Worst case scenario it goes to zero and you lose *instert small amount here* and you wont care since BTC will appreciate by then anyways.