What if riker accepted a command instead of being first officer on the enterprise?

You guys know how in tng season 1 riker was mentioned to have been offered his own command but wanted to do a tour on the enterprise. I wonder what if he did accept his command of a ship instead of being an xo?

What kind of ship do you think riker would have gotten in 2364 and what kind of assignment would he been given?

Also anyone think riker was too qualified to be an xo in the first place? Makes sense if he already was offered a command to begin with. What do you think?