I own some lumens and I'm thinking of re-entering btc at this stage... xrp is too risky now for my taste. However, the people who buy xrp have no idea what lumens even are, they're just buying ripple because of the hype...
Nobody cares if something is centralized or corporate, either - the market is not filled with social romantics. My feeling is that about a quarter in lumens, a quarter in bts, a quarter in btc and a quarter in eth might carry me well into April next year.