If you'd ask me I would XRP. I see them winning vs the SEC. Ethereum will deff be one of the biggest L takers sooner or later when the SEC marks them as security.
XRP is really does have the potential IMHO. Although I cannot be too sure with ETH. Since they have moved from POW to POS ,I believe they just created a way for bankers to get into their mining.
Since bankers do have a lot of budget to put up on Stake, then they probably would be the one mining, thus the one regulating the chain. Unlike before when it is POW , it is for those who have miners, or computing power that should be the one mining the blocks for ethereum. Although POS would be great for the environment, I still believe it is not what cryptocurrency was built for.
It really doesn't. XRP is a coin that is heavily centralized and controlled by 2 people running a company, that's it, that is the whole control of XRP and Ripple and if you fall for their trap then you will lose a lot of money on it.
I cannot agree with you on ETH, I believe it is a retail investors world and we will have a lot of it but we will put it on exchanges so it would still be centralized in that sense, but I would assume that control of it will be on us, but I understand you disagreeing with that, there is no argument against that from me. I however will definitely warn you against XRP, do not invest in it, and try to stay away as much as possible.