My accounts will be linked until mid Apr and I've got a question.

If I were to start up my own guild and basically have no perks whatsoever, would it be the same if I were to join a guild which is say lvl 10?
I mean, as far as I know I benefit from RAF XP the time my accounts are linked , and while this applies heirlooms nor guild perks regarding more XP will not stack with RAF XP.
Help me out on this one, couldn't find a topic here, cheers.