Um, yes, the RAs are THAT bugged. This has been confirmed. There is an entire thread about it. I am playing a strategy game, not a game of chance, so I do not feel like putting up with spending hours and hours playing only to have my entire game ruined by a random outcome. If I wanted to do that, I would just flip a coin rather than play.
I've explained how things work. You are not losing money by not meeting AIs and CSes that only cause problems for you. I think you are forgetting that you cannot sell luxuries in many cases once the AI finds you and does not like you expanding. You wind up sitting on them anyway, but then you also have to put up with AIs and CSes draining your resources via wars and allied status, attacking you through religion, competing with you for territory and city sites, etc. I have 9000 gold presently because I have not needed to waste resources bickering with AIs about CS allegiance, DoWes, territories, etc. I also have most of the wonders (and I mean most, even ones I don't technically need) and am leading in tech by about an entire era.
There is "nothing but an advantage" about intelligence gathering. Anything you gather, they can, too. Again, I explained all of this regarding the pros of being isolated and why it can be a huge advantage, assuming you adopt the proper strategies (which are different from strategies used when you are not isolated). Sneak attacks? The AI cannot sneak attack me because I will see any attack coming and I am far ahead of any of them in tech.
Your approach is trying to stick with non-isolated strategies even when you are actually isolated. This might be possible, but it is certainly not required, nor is it desirable since you have to actually waste time and resources to do it. You can, but I am advising that it is not the opportune approach or strategy in dealing with an isolated context. Adjust your view rather than trying to force usual strategies into the context. It's far easier and much more fun than dealing with the usual AI shenanigans. At the very least, it's a change of pace because being isolated doesn't happen that often on many maps (i.e., anything aside from stuff like archipelago or small continent types of maps).