I see that the trading will stop, does this mean our money is safe at whatever price it drops to? Should we just HoDL and see what happens, should we buy more ? Should we put it on Ledger Nano to be safe and take it off of coinbase ?

I believe it's completely safe to keep your XRP balance on Coinbase. They are only suspending trading XRP for the time being and will still allow you to send and withdraw. Coinbase wallet is not affected at all by this. Also, Coinbase is still following thru with the Spark airdrop later on.

i here its pre-mined is that true? also with the government crackdown of xrp wouldn't that mean bad things for xrp