IOTA long run, quite easy.
Ripple is unsafe, they owners of the Ripple company can just inflate away the value of the coin.
Don't forget that the Ripple fund is holding 55 billions out of total 99 billions XRP. Back in December they started to sell up to 1 billion each month. Also the creators hold billions of coins on their own. After the price surge Chris Larsen is wealthier than Mark Zuckerberg. It is just a question of time until he sells his stake. Same to other XRP billionaires like Brat Garlinghaus.
https://ripple.com/insights/ripple-to-place-55-billion-xrp-in-escrow-to-ensure-certainty-into-total-xrp-supply/