Your experience tells you the right thing, Bitcoin, at the very top, then Ethereum and BNB, they remain the crypto coins that you can invest in and relax knowing that your investment is safe. These three carries minimal risks compared to other crypto coins, because you're sure that no matter how the market trends, even when they experience bear run, that they'll still remain relevant in the market, and eventually bull run will come and investors will make good profits. Although in these top list BNB, seems to be a little questionable, due to the issues that Binance, it's parent company is facing now, their trust level might have somewhat reduced.

There's nothing wrong in investing in other altcoins, especially the new projects, they come with hype of giving their investors geometrical profits, and these promises comes with their baggage of high risks. Profits happen, but you don't know the ones that'll survive or become shitcoins. So far me investing in new alcoins, is like gambling, because in the process of wanting to increase profit, you might end up losing your investment. Whereas this can not be the case with established crypto coins, because when they experience price dip, it's only a matter of time and they'll become more profitable again.