Answer: simply put its suppose to be the blockchain platform for bankers to process national transactions faster and cheaper, its really almost instantaneouse.
to get a xrp address you must have 20 xrp otherwise it will not create the address. its recommended to have at least five xrp in reserve for transactions.
in order to send xrp as another currency/cryptocurrency from your wallet you must have five xrp for each gateway you add.
witch will be put in to reserve, no transaction fees come out of gateway reserves...its kinda like the original 20 xrp bit you can close a gateway and get the fvie xrp back, you wont get that first 20 xrp back.
if you need a new wallet it will cost another 20 xrp..
that should get you going without to much confusion.....
P.S. i used cryptonator to get my first xrp that way you dont have to have 20 xrp to store them...just deposit funds in crypto on https://www.cryptonator.com/ and exchange for xrp...