I think holding ETH is the better option since like you said, ETH 2.0 is being hyped. It's not to mention the fact that most of ERC-20 tokens are worhtless. It's so so difficult to find a decent project nowadays. However, if you have a thick budget, you can try with ERC-20 tokens. A couple of ETHs on some less-known tokens may bring you 5x or even 10x profit, or otherwise, you just lose "a couple of ETHs".