Lots can be said about XRP but the most obvious is that the token you buy is not Ripple technology. XRP has value only when transactions take place and a small amount of that transaction fee goes into the token itself. It is not like buying ETH or BTC, where the token represents the technology. XRP is not even mineable and is only supported by a very limited number of nodes unlike ETH or BTC which means that if those nodes get taken down or restricted (eg the banks get to them), the value of the token can be affected - dramatically. Its not quite that simple but DYOR. And yes, I did have XRP and made a good gain, but it all went back into ETH and BTC.
