When talking about ripple, yes. i admit that ripple has a good progress. They have advantage of low fees and their system is very suitable to be applied in banking system. While xrp is the opposite. Imo, It is not good to be hodl since mccaleb still have millions of xrp in his personal wallet.
McCaleb still holding that much XRP is still one of the reasons that investors are scared of investing in XRP because that guy at any time turn around and sell huge bag on market. IMO as long as McCaleb is holding that many XRP they will have a hard time moving up price-wise.