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The very threat to CBDC is XRP for me, not BTC.

Even without the arrival of CBCD, the future of XRP is uncertain, as far as I know the lawsuit between XRP and the SEC is not over yet. So investing in it now is extremely risky, if XRP can't win the case, the possibility that XRP investors will lose everything.
We have more options than XRP, we don't need to risk that meager profit. Regarding altcoin investment, we have BNB, the return is not bad, I will choose BNB instead of risking XRP.

I agree 100%, I almost forgot about XRP when the lawsuit between Ripple and the SEC started in 12/2020. The purpose of XRP is to become a cross-border payment currency - universally accepted. That is the advantage and also the disadvantage of XRP. It is within a more centralized framework, knowing that times will change and how the market will decide to use it differently, but XRP does not show that potential. More new and potential options as well as safer such as ETH, BNB, Polygon

with this so much bad happening in Ripple ? and XRP continues being declined(because of that case from SEC?) i think it is much better to choose on those given coins than supporting more this coin fo now , not unless they won that case and be open again? but that would definitely damage their reputation in long term as it is going to 3 years and still no good news and progress.

Not only XRP, but it can also be seen that besides ethereum, the remaining long-standing altcoins do not have a bright future. They can barely keep up with new projects, and that is why there is always an elimination in the altcoin market. In my opinion, if you want to invest in altcoins, you should only trust ethereum, all other altcoins should not be long term investments. Even if XRP wins the case, I still doubt its future, today we have too many altcoins with utility outperforming XRP.

in this I don't agree mate, because Solely investing in Ethereum will bring us also long waiting so why choose this altcoin when we can surely invest in Bitcoin? we are talking diversification here and that is what we mostly wanted as for safer investment .

Bitcoin is the safest, but between bitcoin vs ethereum investment, who do you think will give better long-term returns? During the most recent bull cycle in 2021, ETH has also delivered a much higher ROI than BTC. Ethereum meets 2 requirements for you: safe like bitcoin, if safe bitcoin is 10, then ethereum is 8, and better returns than bitcoin.

I will never argue about that because it is correct that the safest coin is the ranking one like Bitcoin and of course ethereum.

but if we are talking long term but what if short term?

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If talking about making a quick profit from altcoins, I would like to invest in new altcoins like APT or some layer 2 projects that will give higher returns than XRP or any old altcoin. You can see LTC, TRX...no more noticeable hype.

it is our belief and outlook and for that I respect yours but my Folio listed far different from yours.