Since you mentioned XRP, you need to be aware of a few things. You are not using Ripple, you are using its centralized coin - XRP. It's a premined coin with the Ripple foundation owning the biggest bags. I think the SEC forced Ripple to sell their holdings recently, but that doesn't change much when it comes to the whole XRP idea.

Although it's cheap to transact with, you are forgetting that each address requires a 20 XRP creation fee. That's almost $30 that you won't get back. And you pay that fee for every new address you create.