of the top 5 cryptocurrency on coinmarketcap, then we will see that only the price of XRP has not risen very high and reached the new ATH price, because ATH price of XRP is $3.84 on Jan 04, 2018 (3 years ago), so I am sure if now is the right time to buy XRP, because I think the price of XRP will increase very high and create a new ATH price (such as BTC, ETH and BNB), then of course you will get a big profit from investing in XRP at this time.
As you mentioned all the time in your post, you need profit, right? You will earn more profit in the other altcoins. Why would I buy a Ripple coin? Ripple has some bad reputation where EOS blockchain prices didn't touch the new ATH. Here my suggestion is one, choose your favorite projects (not a bad reputation) and hold it. Don't buy XRP, rather buy some out of top altcoins.
While earning profits with altcoins is not easy at all at the same time I agree with what you say, many people still seem interested to invest in ripple, which is odd because as we know many exchanges refuse to allow their customers to trade the coin as it is currently being investigated by the SEC, it is better to stay out of trouble and instead invest in coins that have a good reputation among the community members and anyone deciding to ignore this advise is exposing themselves to huge losses as there is a great chance ripple will lose the case they have pending against the SEC.