The ripple technology will change the way the world transfers money. In my opinion, any tech that changes something that big is a sure-fire bet. It's just like investing into Microsoft back in the 90's, or BitCoin back in 2009 lol. XRP is going to go up. It's just starting to be used by banks. Once more banks start to use the tech the sky is the limit. I'm holding onto my XRP for a while. I want to see 100$ per coin before I even think of selling lol.
You may be right with your assumption, although I think $100 for one XRP would be like crazy. Cant believe that will happen anytime. However I was proven wrong with my pessimistic expectations some times already. I will still just hold my XRP for now, doesnt seem like its rally is near to over.