OK, here's my guess: On January 23, 2021, XRP will be worth $2.27 USD or 0.00005031BTC.
Just kidding, no clue, really, but I'm not waiting around for "a miracle or for XRP to be used by 50% of the players in the cross border payments field."
If you think you (or we) are holding "gold," then, great for you to believe this, I guess. We can indulge in any number of fantasies about some future price, but we all know that it's nothing more than pure guessing at this point. Adding another variable like a date ("What will XRP be worth on _____ ?") is even more speculative, IMHO.
So much will need to evolve further, and perhaps there will be some wild card factors we can't control or perhaps even fully imagine, with the impact of regulation certainly being one such factor. In the words of JK that are so often quoted by the moonboys from that ancient reddit post, "It all depends how big you want to dream."
All anyone can do at this point is guess and/or dream.
From the way things seem to be going currently, my very uneducated guess is that we won't see much upward price movement for at least another year or so, if then, although I acknowledge that this could change suddenly, especially if a number of world events were to occur in perfect harmony to catalyze adoption of crypto in general our XRP specifically. But probably not likely...
As is evident from the ghost town vibe on this site and others, it seems that most people have opted for a reasonable course of action and have decided to live their real lives rather than spending too much energy guessing at some vague and ethereal future price of an asset that most of the world doesn't even know about yet. I think that's a good thing to consider.
So, wishing you a nice holiday season and a good 2020, with lots of real-life enjoyment and rewarding experiences!