SEC issue is really tough to convince more people to invest for now, specualtions and with how the market for this project are moving, it's better to choose other project to place your money.
If you have coins inside your wallet either to decide now or just keep it and take the risk sparing the money to unsure future, hope for luck that the team may able to surpass this problem and bring another good day for this project.
If you can keep yourself away for now best to consume your time finding other alternative coin
or chase bitcoin and Eth both are good for short and long position.
It was an easy choice to get out and that is what people did, that is why the price crashed, we are talking about the currency that was 21 cents at the start of 2020 and after a whole year of coins going 3x-5x even as much as x10, we are at a place where XRP made just 20% increase, you may think that is fine but it was basically a horrible thing during such a huge bubble. If bitcoin and all others drop one day, XRP will drop more too, that means we are going to probably see under 10 cents with XRP if we are barely at 27 cents on the biggest bull run of crypto history.
I would rather not do anything major right now but getting out of XRP is an easy decision right now, nobody should have any trouble with that. I personally would suggest going to ETH if you can, they are still doing horrible with the fee situation and the moment thats fixed we are going to see an unbelievable increase in ETH price.