XRP and Bitcoin, who can guarantee profits and value stability between these two coins. There needs to be a comparison between the coins you are targeting, in the end only the best and most popular will be the choice. You don't need to collect money to get 1 or 0.5 Bitcoin, you can easily get Bitcoin with whatever amount of money you have. Your feelings about Bitcoin are correct, you just need confidence and money that is not used for other purposes to invest in Bitcoin.
BTC is the best at the moment even though it is always swayed by the market price. There's nothing wrong with XRP either and this coin is already very legendary in the ears of traders, it's just that the issue hasn't been resolved yet and if everything is clear, it's not impossible that it will shoot higher. So, back to the OP, which one do you want to choose and you're free OP in investing crypto world.