I don't really understand the potential of XRP at the moment. however, I also prefer to hold bitcoin over XRP at the moment. as we know, that currently XRP still has some problems, so if you want to change your BTC I might prefer to change it to eth, or BNB instead of XRP. well, but that's just what I thought.
price wise, i do not understand XRP potential either
on the other hand, they have workable product, that most other project do have not, and made a great run in this bull run, so why not give it a try to XRP as well? it is a problem with their presence on exchanges, especially in US, but worldwide as well
nevertheless, buying XRP at the moment is a gamble, which could end up great if they beat SEC, and bad if they lose in the end