I'd prefer Ethereum here. Not saying that I hate Ripple, it's just that Ethereum has the greater probability  of price increase over Ripple. This is more of practicality over efficiency. Yes, the transaction of Ripple outdo Ethereum transactions but for the scenario given by OP that if I am to be paid for work, Ethereum will still be as good as Ripple. Even far better because of the profitability factor.