all the news you hear about such and such bank going in Ripple is about its technology not the token itself called XRP.
This ^. Its not that Ripple is good or bad, but that it fills a niche. Banks would never get involved with a fully decentralized cryptocurrency, Ripple provides a tool for their business.
My issue is with XRP. I see no real correlation between the success of Ripple and the investment potential of XRP. Ripple deveoped XRP as a proof of concept to market their tech to banks, and released it into the wild to survive on its own merits. Holding and trading XRP is effectively hosting a free tech demo for Ripple. One in which Ripple has a vested interest in having succeed... for now. Once Ripple is established XRP is no longer useful as a promo.
Even so, this isnt necessarily a bad thing and XRP may survive and thrive in and of itself, which would be a testament to Ripple and their tech. However, I think the distinction between XRP and Ripple is lost on most and when the reality is made clear, XRP may not be the best place to have your money.