To use bitcoin together with altcoins will bring lower risks due to the possible split of bitcoin. Each cryptocurrency has its problems, which can be result of financial losses because value fall. But probability that something bad will happen in several currencies is much less. So no need to think: "to use bitcoin or altcoins" when you can use both. Yes, and in fact there is no division into bitcoin and altcoin. There are cryptocurrencies, and they are different.