Xrp is one of the sleeping dragons in crypto space that I know of, it has it's potential even when it's a centralized coin and I believe it's on of the reasons why it will do better in near future, just invest what you can afford to lose and add other coins like ETH and BTC to your list too
Ripple has been sleeping for a very long time and while it is obvious that it is a good coin and that is why it is in the third place in terms of market cap at the same time we cannot overlook that the coin has not given profits for a very long time, it is not a good investment, it is better for you to invest just in ethereum and bitcoin that way you are going to obtain more profits in the future and you are not going to take any additional risks by investing in a coin that most likely will not move as much as ethereum or bitcoin.
Ripple pave its way to third place not because it's good though, ripple is centralized coin and they got the funds or capitals from many centralized institution or banks. there are reason why many people here seemingly to hate this coin and what I mentioned earlier is the exact reason. in my opinion however, although some people might be against my opinion but a coin that's good is a coin that gives profit and ripple is not really good at that.