The fees collected per transaction for XRP are destroyed after the completion of the trade. The fees collected per transaction for XLM are redistributed to holders of XLM (as long as it is in your wallet). Both coins are gaining traction in their respective corners and both are built on the same platform. Both have large backers and clients with names like IBM , Microsoft , and AMEX to name a few. I say both are good for a long term hodl but if I had to bet on one or the other it would be XLM . I believe the use case is stronger and while banks are big and have lots of resources, nobody likes a banker and part of the draw to investing in cryptos is the allure of doing away with them altogether.
I have no background in finance and know almost nothing but what I've learned in the last month. Please do your own research. This is my first "Public Idea" and if you like it, please contribute to my Rep. I'm not attempting to be an authority, I'd just like to be able to ask questions in public chat. Thank you for reading and I'm sorry if you feel I've wasted your time.