Dont forget that no one here is an expert nor do they actually know what they are talking about. It is all just someones personal choice / opinion. Dont take all info that is said on this website seriously.
In my opinion I would keep the Cardano, because I feel it has more chance of making you more money than ripple would.
I am in line with you that no body knows about what actually happen in the crypto it self, most of users just share their personal ideas and assumptions. It needs for us to have a critical thinking hearing and taking what somebody says. Do not directly take in our main that is good or worse. According to my friends opinion, I would like to keep Ripple which is better than Cardano because it has good goal and strategy reaching the future. Most of my friends say the same word. So, they really help me in making a decision.