IMHO NEO is more appealing as an environment considering multiple products/coins can be spawned in it. Once people buy into the environment, they typically stay with it unless and otherwise they have strong reason not to.
XRP is appealing for transactions and like, however, other technologies could be proven to be more disruptive. Given it's high volume (eventually 100b), I don't think the price will go very very high as often predicted by some pundits.
![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif)
Disclaimer: I own a small amount of XRP and no NEO (too late to join the party, I guess!
![Embarrassed](https://bitcointalk.org/Smileys/default/embarrassed.gif)
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