You need to figure out what you believe in. XRP is a crypto that can not be mined and is controlled by one company- Ripple. Banks bought into using XRP because Ripple is providing them the software to perform transactions. Summarize XRP is more of a centralized token then all other cryptos that presently exists.

If you were to trade from XRP to ETH you are going in a different direction. ETH is a crypto that is systematic and open source. It has smart contracts so a lot of tokens that are in use rely on ETH. By investing in ETH you pretty much branch out and indirectly am investing in all tokens that uses its platform for smart contracts.

Just my thoughts. Best of luck with your decision. Thanks.