One of these threads where the OP has a better understanding of the topic than those who try to answer. :|
I would see a difference:
A real filter does have insertion loss from conductor losses and dielectric losses, even if perfectly matched, and that loss increases with frequency. But that insertion loss is not ripple. I would understand ripple as the extra amount of insertion loss that is caused by reflection, thus changing with frequency in a non-monotonic way -> ripple.
Passband ripple is another way to specify the acceptable/required S11 in filter synthesis, and that value does not include other losses. So from that viewpoint, the OP's question is very valid and most answers completely miss the point.
- - - Updated - - -
Passband ripple spec in filter synthesis, to set acceptable/required return loss:
This is only identical to insertion loss for an ideal, lossless filter (no conductor losses, no dieelectric losses).