I would split the total: 40% BTC, 40% ETH and 20% XMR. Then you can use some ETH or BTC to buy low caps coins or ICOs
That is a reasonable choice, I also hold much btc and eth than any other coins since I treat them as a long term investment, I like to convert between eth and btc, I find it is very profitable, the ratio is much stable than the price, and I do not worry about losing any coins.