Maybe take a look at Kaspa. It is a refreshing project that brings something new to the table.
I have been hearing about kaspa as the choice of many in terms of mining altcoins.
I think, ADA is the best to invest that amount of money in this bearish season because the price is still low for investors to invest and be part of what will happen when the price increase higher in the future to help their investors to achieve what they have never achieve before in the crypto market. Since you have the mind to apply long holding in that $10k, I think before the end of the 3 years you assign to that particular coin, you will achieve a lot of income that will make you smile.
ADA is still down from its ATH and we don't know if it's going to be back there but for those that thinks ADA is a good choice for the next bull run, you know what you're up to guys.
If you can still add XRP into your investment in the future, I think it will help you to depend on two sources where your income will be coming from because XRP have clean evidence to win the case from court.
XRP had won against SEC but, it's just good as it is but as an investment, you have to think of it. But anyway, we're all free to have our choices and if these coins you think are good to your purse and will bring profit to you, then do take them.