I think the coin for you is STQ, aside that before you choose a coin consider coins that have their own blockchain like ether, xlm, neo, Remme.Because this days transaction fees for transferring coins on other blockchains are outrageous
Now it's best to invest in coins in TOP5. So in any case, you will not lose your money. If there is growth, these coins will grow in the first place
Yes, I do agree with your suggestion, but sometimes it is impossible to invest in Top 5 because investor might look for short-term profits. They won't wait for the long-term because the Top5 coin is a long-term investment, which they need find some other coins which have potential after those Top 5.