Probably a good idea to get out of Tethers. I think you'll save yourself hardship ad heartache in the longrun by doing that. Also, I think that Ripple has a lot of potential and even though people don't like it because it's centralized, I think it's going back up. If you have the spare cash, I think it's probably a great time to buy.
Not financial advice. Do your own research. Your decisions are your own.
People also don't like it, because it has 100 billion coins, there will be more coin printing, I believe 1billion per bach and CEO owns 60% of it.
That is one of the downsides for sure.
Personally, I would stay away from ripple. It's just a flavor of the month, because of the sudden rise. On top of that is a centralized coin, which doesn't make a difference. It's like any other fiat, just a different name for transactions. The point of decentralized project/transactions is to remove the middleman, which ripple is not doing.
There are much better projects, even undervalued that I invested or would invest before thinking about ripple. I won't mention here because people will be like stop shilling this coins, but if you are interested I have the same name on steem.chat.