Best idea is to divided your money and buy two coins equally and take advantage from both of them. I haven't used dot network yet even I'm not hearing about dot nowadays. Rather i saw people are interested to discuss about matic. So matic is sounds more positive than dot. And it has a lots of usage but i still don't know about dot properly. So i will go for matic for future investment and greater achievement.
First you say it's better to split the money to buy two coins, then you say MATIC is better and you prefer MATIC for future investments.
but I agree with your opinion that in terms of network usage MATIC is superior to DOT, but regarding the community and ecosystem perhaps DOT is superior because DOT's current ranking is above MATIC.