So no need to worry for now, just something to keep in mind
When a monster is in Attack Position, its ATK is used for calculating damage
Paying life is around in the format but it isnt some huge theme, and you need to both pay life and have a card where it matters that you can reduce its cost It can ramp your mana quite effectively, and that makes it more likely that you can get a creature with power 4 or great into play quickly, at which point Ruby herself becomes a significantly better attacker
By being universal, it makes her characters easily relatable despite being painted with a touch of cartoon style
Once the ability starts to resolve, players can't respond to the choice or take any actions until the ability finishes resolving
The value on an unpeeled set is insanely low right now