That is putting words in my mouth. Like I said, we have no details of how the aging pragram works.
One thing we do know: it doesn't work when the head is disconnected from the body (else I shudder to think what they would have found in that cave in Time's Arrow!).
If the Riker character hadn't been framed as a man of action initially then it would be a different story...maybe. I just think as he looks now there's no way for him to be Riker the swashbuckler type with the twinkle in his eye.
Riker the 35-year-old was a swashbuckling man of action. Riker the 65-year-old is likely a desk jockey admiral who spent at least a decade becoming used to sitting in a chair on the Titan, where he learned it's probably wiser not to blindly leap where angels fear to tread.
And besides, as someone pointed out upthread: the modern audience wants to see diversity on screen. They want to see average people like them who look like them, dealing with all of life's problems like them. They don't want perfection.