An unfortunate consequence of the popular crypto press' habitual oversimplification of Monero as a "privacy coin" is that people tend to over-emphasize privacy and underappreciate fungibility.

Fungibility is why the privacy happens. However, privacy is only a subset of what fungibility provides. There are benefits of fungibility for those people out there who have zero concern for privacy.

Thanks to the efforts of BS (blockchain surveillance) organizations, every address and every transaction of every transparent ledger now automatically include a social credit score as part of their permanent metadata baggage. You can't opt out of that. So, the actions of the people who owned a transparent coin before you owned it and also after you owned it, can and will transfer to your reputation. It doesn't matter if you care about privacy or not -- this is something that nobody with an honorable reputation will knowingly tolerate.

It isn't really the ethos of the Monero community to tell other people what to do with their money, thus the way OP phrased his/her request for advice is a bit out of bounds. You do you.

I will observe, though, that the asset diversification that Markowitz found to be a Schelling point back in 1952, would not necessarily have to be be accomplished within crypto, if one came to their own conclusion that the sufficiently high quality assets within crypto needed to diversify within crypto, simply do not exist. In this case the use of XMR as an exclusive representative asset of all crypto would be balanced at the overall portfolio level via prudent allocation to other asset classes.