Ripple very expensive not in these days we will see a correction to the support zone. I think price still growing because of incapable people who don't understand the technology and blockchain network. Ripple is centralized and if you trust centralization why don't you believe bitfinex binance or other services. Their centrelization not a secret 
the market will teach you how to choose one coin, decentralization or not is not the problem, the team and the community are more important