if you have extra funds that literally you can risk ? then why not right? but if the amount you will be investing is something that you will be needing in sometime or even in long time after?
then best not to take this chance or you will lose badly in the end.
XRP is indeed one of good coins in the past but nowadays? there are so much coins that we can use tto save our money than Ripple.
Even if you have money to spare, I would highly suggest not to go down that route, it would not make any sense at all. I am not saying that you should be avoiding it at all costs, but why spend it on XRP when you can buy something better? XRP has always been a shitcoin in my mind, it's definitely the first shitcoin ever created, and it's only there so that creators would make a profit and no other reason exists for it.
So in this situation, if you have money you can spare, even if money you could just throw out of the window, I would still suggest at least throwing into something that has some future, and not into XRP because it would be literally that bad.