I will choose Ripple, because the ripple is more centralized and has a different distribution than the LTC. ripple for me promises more benefits because it will be adopted by various banks in the world. so up to you Sir ... 
I agree with your opinion. For me, I prefer to invest in Ripple within 1 year rather than Litecoin. Because in my opinion, the potential for Ripple is better in the future than litecoin, besides that the number of Ripple enthusiasts is more than litecoin. But it all depends on you, both coins have advantages and disadvantages, but if you have to choose I suggest Ripple be the best choice