For a quick, cheap transfer of funds, xrp wins everytime. So I sometimes use it just to transfer.

For investmenting, I don't chose either to be honest. I am not sure why you would ever want to chose between just these 2; they are very different projects. XRP is not a true crypto as it is controlled by a company (ripple). Litecoin is OK for payments but to be honest there are much better options for this too