Your focus on the, so called, "use case" is the smart play with any crypto.
And XRP/Ripple sure has that going on.
A year ago when I started in with crypto there were 7000+ individual coins and tokens being offered. Today there are about 2200. And there will be more falling out along the way.
It seems like this could be a big game like Musical Chairs. Don't get caught holding when the music stops. I am not so sure that a buy-and-hold strategy will be the most profitable. I think we need to pay close attention and be very nimble and quick if we are going to thrive and survive.