First of all, I would like to be very honest I like how XRP is so quick when it comes to transfer/transaction and that is all I like about it. Not hodling XRP for sure! I exchange my coins to XRP only when I need to make a transfer and that is it. Not only the supply is too up there but the rumors about it if not fact that major hodler are just from the team itself makes me don't want to get involved with it. Personal thought