~snip
Polkadot is quite new and is just now breaking on the scene and I am expecting much more dApps soon. There is quite a lot of developers working on them so hopefully some of them will be useful.
Cardano still does not have smart-contract capabilities. They should be coming very soon. It is quite difficult to make dApps without smart contracts wouldn't you agree? Programing language used for smart contracts on Cardano is called Plutus and based on Haskell. Did not try it yet but it should be easier to use than Solidity and should be much safer in exploitation. Just the way it compiles code does not allow for some tactics that are used to exploit Solidity based smart contracts.
agree, but there is an obvious hype on both platforms, and it is good to have clear picture where both platforms are at the moment
actually, for Cardano, there is also Marlowe (primarily for DeFi) as programming language, and Cardano has two free courses on Udemy for both languages (Plutus and Marlowe), but Cardano is already here for a long time, and their progress is not fantastic (although could not say that they are not delivering on their promises) and number of users will be a question, with smart contract functionalities deployed
disclaimer: I also have solid investment in Cardano