I would say that XRP is one of the riskiest altcoins out there. Because unlike the case of most of the other crypto-coins, we don't know about the detailed distribution of XRP holdings. Some of the big holders of this coin remains hidden and that makes it vulnerable to sudden dumps.

Are you sure you want to buy XRP? I personally gave up this coin for a long time. The ripple is very unstable, when you think it will stay up, it suddenly falls.
and now maybe it will happen, but even so there is still a possibility that prices will rise. the market starts pumping, and maybe later the XRP becomes one of the coins affected. but I remind you this is only a possibility, so all of it comes back to you, whether you want to wait, buy or not even anything.

XRP is one of the most manipulated assets in the crypto market