Same Swell FOMO last year before and boy that was a dissapointment. Briefly went to like 0.5 If I recall correctly, then tumbled to sub 0.3 very quickly after banks repeated what they will repeat this time: "Regulatory issues will take years...will use ripplenet but not XRP...better alternatives...and more.
Oh, and same ridiculous targets were mentioned. Let's not forget that alll currencies have been pumped in the December rally even though many have little in common. Lots of FOMO, very little fundamental interest.
If BTC decides to tumble below the triangle of triangles, in which it has been moving the last couple of months, you can bet your butt XRP is going to test new lows.
Don't know about EOY, but I think after swell will be -30 to -50%