You shouldn't.
XRP is a cryptocurrency that formerly had some benefits over other alternatives/competitors in the market. This has no longer been the case for several years now, and the price has repeatedly been taking a fucking BEATING, much to the dismay of their lunatic obsessive fanboy cult advocates who think that it's going to be utilized as some kind of "new backbone to the global financial system". This stems from the fact that the SEC sued XRP for being an unlicensed security, something which is pretty much actually true (fuck the SEC, though) but also applies to a ton of other scammy crypto projects.
The founder of XRP, Jed McCaleb, has dumped something like 9 or 10 billion XRP tokens over the last few years, which is why the price is always dumping.
The delusional fanboys think that it will be the new version of SWIFT or interbank transfers which is ludicrous, because, as a blockchain technology the transactions are immutable -- so you can't reverse a transaction which is necessary in the traditional banking world. It does have fast speed, low transaction fees and some other cool features built into the network, but all of them were improved and expanded upon by Stellar (XLM) which is basically their non-scam successor that is run by a non-profit foundation and has actual people using it. Even still, Stellar will never become the thing that it's proponents believe/wish it will. None of these crypto projects currently around can, the technology doesn't exist yet to be able to handle the kind of transaction throughput that companies like Visa, Mastercard, and all of the traditional banking networks currently process every minute of every day.
You're headed in the right direction as far as physical silver/gold are concerned, physical cash .... eh, not so much. I wouldn't even personally be wanting to hold onto precious metals either, as in a real "SHTF" type situation, they are going to prove to be just as worthless as the cash you have -- people value things like food, medicine, energy, drugs, alcohol, etc. These are the things you should be stocking up on if you want to have some kind of safety plan.
Monero, yes
Bitcoin...eh, maybe.
Ethereum - fuck no. Ethereum is about as close as you can get to being 'fedcoin', just look at their ties to JP Morgan/Chase bank among other groups like Blackrock and you'll realize why you should stay far, far away from it.
Monero is legit, the fact that it is used by criminals almost exclusively and the secret service/NSA maintain a bounty offering to pay for anyone able to break their encryption algorithm is good enough for me.
BTW, USDC is the deep state replacement currency to the dollar, it's more or less already a CBDC in many ways.
The Greek letter X sounds like "chi" (as in chiral, or chiropractor - not Chicago), and the Chinese dictator's name is pronounced Xi "zhi" or "zshee" like the X sound from xylophone with a bit of a lisp on top of it.
Totally different sounds.