Yes Bitcoin is safe but it also has limited returns compared to other altcoins.
I will take my chances with XRP - it will do a 10x in no time once it comes out they have won the case.
If you will take high risk then return will must be big in cryptocurrency. Meme is absolutely risky investment so you can get 10x to 50x return but there are no guarantee it's kinda you bet in gambling. Btc is safe investment and it’s long term. If money is your so you can invest in XRP but i don’t think it will return 10x-12x in the bull run.
Investing in meme coins I feel is like a gamble and the risk is too big,
better invest in top coins and it is much safer as you said,
but again everyone has their own decision.