I agree with you on Ethereum and Litecoin because these projects are really one if the best coins with real use case they operate the system with dignity, but for xrp, this coin is more of a scam coin to me, because I don't know where they really fall, one thing I also believe is that their figure is just being manipulated and pumped internally just to gain relevance as stay as top 3 since they are bankers coin. 

Let Libra coin come,  you will see what will happen to xrp,  Libra will definitely get organic investors that will genuinely pump the coin and they will definitely push xrp off The 3rd place,  Libra has more of their features too and even function better,  so I would not hold xrp for too long or think it will continue to gain that 3rd place dominance till 2022, there are also coins like stellar,  eos,  bnb and many more of them that I would rather hold than xrp.