But this is a personal choice, if someone likes a project's vision and their approach, they might think the same to be promising. This will and there is no hard and fast rule to this. I still suggest a 2year minimum watching period before investing in anything newly launched.
While the XRP is a less interesting option considering their friction in the community or SEC, other two seen safe to invest in.
But when we are talking about a situation like this, it means that XRP is facing legal trouble that prevents anyone from buying it, or at least it should. ETH and BNB on the other has nothing like that, well I wouldn't say nothing, BNB could be hurt by SEC attacking binance.us as well, not directly, and won't really change much, but at least there is a tiny small chance, a lot less than XRP though, and ETH has no problems at all.