If your decision is between ripple or litecoin, I might want to recommend that you hold ripple. It is risky, it is centralized, but it is very liquid and ripple is one of the cryptocurrency trader's favourite!
just like you, i also like ripple. indeed the two coins are very good and become one of the favorite choices of investors. but i suggest choosing ripple.
all coins are very risky, they all depend on traders' judgment and decisions.