So I don't understand this stuff nearly as much as you do but what attracted me to Caranado was the ability for on chain upgrades. It's not implemented yet so technically they are still hard forking. The space is looking for an Etherum killer and Ripple ain't it. I can't wait for SMT to get released!!
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Eos will have on chain updates as well for many things.
Ripple is the crypto killer. People in it are just handing their money back to the banks.
Ripple is like buying shares in someone to breed stronger and faster horses because they don't like the idea of automobiles.
History provides us with many lessons for free and costs nothing to learn from