I wouldn't invest in XRP.
Simply too much regulatory uncertainty surrounding its product and too little reward coming out of the ecosystem in my opinion.
I would rather invest in quality, blue chip projects such as ETH which have significant milestones coming up in its roadmap, active development and community, and practical usage cases that extend far beyond just integration with traditional banks.
ETH actually dipped to ~$2.3-2.4k region which was a fantastic buy for anyone looking to enter the market.
Same, XRP is not good for the long term but for short term trading it can sometimes be interesting. I do the same as you, I have 80 - 85% in blue chips (BTC and ETH) and will keep these for the long run but will also try to take some profit when the price pumps. Afterwards, it is always simple to determine a good buying opportunity; at the moment itself you will always think that the price can keep dropping.
Even though XRP can't be a long-term investment, on the other hand we see people with small capital can invest with XRP and the benefits are also pretty good if they are good at monitoring XRP market movements.
Sometimes people with small capital can't afford to buy ETH or even BTC, that's why some of us also buy XRP including myself.