Even if it was FUD it is still a bet that the SEC will just fine XRP and that will be the end.
The SEC is just the begining. If a coin has a weak point it's going to be abused.
When it comes to XRP their weak point is the company that manages it. It can be sued, it can go bankrupt, it can scam you and run away, it can be a target of a terrorist attack, you name it.
XRP is a bad coin that's what you should learn from this situation. The SEC action should be a warning to investors.