I could not agree with you more. Who am I to predict which ones are going to go up or down? I'm invested in about 200 of the most popular coins (I have accounts on 7 or 8 marketplaces), including ripple with the classic HODL strategy. However, I have a problem with people throwing everything into XRP and pumping it and moving that money away from those other ones. It's not the best point to make I guess, but I just think people should be wary. EVERYONE should invest exactly how you are describing, but I see a lot of pumping and dumping instead, which I think can be harmful in some cases, especially if people are blindly throwing themselves into Ripple specifically