Get out of BNB and XRP will be the best decision in my opinion because both are centralized. On a side note, BNB may dump anytime once something wrong happen with the exchange.
BNB still has a very bright future, so whatever is that you are thinking or wishing will never come to past, except you are the one planning something big for them, so far CZ is still alive, active and keeps maintaining his integrity, nothing will ever happen to Binance. What would pull Binance down is either they scam which I believe will be much impossible because they have already developed to a stage where they have enough profit on their business from time to time.
For the issue of hacking, they have already been beaten once, and I am sure they will never allow such to happen again the second time, the only think I know can affect them then would have been FUD news, and hardly would you see any FUD news affect them, if their hacking experience did not drain them despite all the FUD nothing can drain them.