Two comments - I'd skip the talk on Ripple, particularly when you're talking about trustlessness. They're not decentralized and have admitted that they've LOST their genesis block. That should never happen in blockchain. Secondly, trust still remains in the currency's dev team. An unstable developer or bickering dev team can tank your currency, as we've seen in several instances. And that's my Reality Check for the day :)

P.S. I'm not trash talking crypos by any means, just putting it out there so people understand the inherent risks and do their research before they invest.