XRP being government friendly might well be a huge advantage for obvious reasons. Also the current legal case with the SEC might well go to a settlement and XRP have some catching up to do, that was caused by that. When settled, the big US brokers like Coinbase Etc. Will add them again for even more (initial) upside. As with all crypto, not much is proven as to future use case for XRP but just those points makes it look like a good medium term TRADE at least.
You mentioned CHIA as a decentralized storage coin. That is not really its sales point or planned usage (it just used Proof Of Storage to be mined - more environmentally friendly they say). Again: I look more at the potential TRADE and its arrival to the market trading happened with the latest BTC crash, went from the starting $1400 range down to now $250 range where it has stabilized no matter what good/bad news happens in the crypto sphere.
I could babble away about the team behind it or future use plans, but like with all crypto, that would just be wishful thinking ????
I hold those 2 amongst others.