Thank you for the detailed answer, there are really a lot of articles. Therefore, the opinion of people who have worked with this is much easier to analyze.
Divide large percentages of your money to the ethereum and binance. XRP shall get the smallest percentage from your money. Remember to keep some amounts of money as your reserved funds.
XRP has the less potential to grow compared with binance or ethereum. It will be so stupid to put more into the XRP. You can also easily monitoring the performance from your money that already invested in all of them.