Yeah there's a lot of FUD about Ripple. I think if you do your own research from unbiased fact based thoughts and videos a lot of people who actually dig into the details are like well that's not at all what I heard Ripple was like.
With that said I haven't actually done that much digging myself, but I would say it may be worth taking another look at.
I dug into the Ripple token and rapidly became less excited as I studied it. I think 99.9% have got the wrong end of the stick.
The trouble is that even if the Ripple system replaces SWIFT, banks won't need to hold more that a few dollars worth of Ripple each. Nobody else needs them, so the supply will exceed the utility.