I am not going to discourage you from thinking that it may reach $20 by next year but that's just too much. And if you've bought at November 22 as you've posted this thread, XRP's price was $1.1 - $1.4 so you still got a nice entry. It's current price now is $2.17 and guess what? it's able to flip SOL from its top 4 spot.
If you will really be trying out to make calculations on how big the marketcap will be on the moment that we do assume those peak prices then it will really be talking on the unrealistic approach or side of things on which people wont really be able to believe specially to those who are really that good when it comes to calculation and other similar stuffs, but if you are someone who dont have much idea on how it works then sky would be the limit and your imagination will really be that too much and its not really that new anymore. Come to think that even into those early years where people do really assume out those peak prices but now we did able to reach it out on which we can be able to tell that everything is really that indeed possible. Just remember to set your standards low or those expectations so that you will be not that be impatient or getting disappointed at the time that the price wont be able to hit up on what you had expected. There will really be those times that you do become that too positive but ending up on disappointment. As for XRP there are tons of speculations or talks about on having no major movement, some do able to sell out their holdings because of being impatient and there are those who do have that hopes that it will really be having its potential on rising up its price in the future on which it did really happen.We are still heading in bull run market yet the price as of moment not only XRP but in other top coins as well are really that moving that on bigger leaps on which to those who had been able to accumulate before the pump.