Same with me, I plan to invest in Lumens too. What I really like with Ripple though is their almost instant transaction confirmations for a really low network fee. That's how I move my BTC from Bitfinex to Bitstamp. Instead of using the BTC blockchain, I convert it to XRP and send it through. Saves me a lot of dollars!
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You can use Lumens for the same thing, it's a fork of Ripple anyway, XLM is just XRP without that nasty central bank smell ;) I usually move things around as LTC myself, usually a good balance between speed and being supported on every exchange
Did not know that it was a fork of Ripple.
Lumens is in my portfolio but does not perform well at the moment but I will give it time.