Too many unknowns. What if I were to place all Stellar in Bitcoin only to find SegWit for Bitcoin (before September) is not activated in the Stellar giveaway period? But this is short term thinking.

For me Stellar and Ripple are going to compete and there's room for both. Nevertheless, if Stellar is successful if releasing all but 5% of their coinage then they'll effectively become a decentralised version of Ripple. This may well attract banks. For Ripple wants to be the banks partner for as long as the are in control of distribution. I don't think banks would put themselves in that position if they had to.