This is a balanced and intelligent look at XRP. I take it with a grain of salt when people complain about a crypto being too "centralized". I would have missed out on huge profits in BTC and DASH if I listened to those complaints. However Ripple's centralization is a bit too much to ignore.
I put a lot of weight in the belief that it is in Ripple Labs' interest for XRP's price to be high - dumping the price down would hurt them a lot more than it would hurt us, so it is very unlikely to happen. However because it is so centralized, I would never make XRP a major part of my crypto portfolio, just to be safe.