separate tickets/contracts have this risk (I have previously booked an 8 hour 'connection' rather than 3 hours as on separate tickets and that was BA to BA at Gatwick!)
You could check your travel insurance to see if it would help with any costs but 2 hours on separate tickets was going to be tight...Ryanair bag drop closes 40 mins before departure so you had 1 hour 20 mins for baggage collection, immigration and terminal change so no contingency there...booking the overnight from the outset would have been the safest approach and something to consider if there is a next time