You are still ignoring the advantages. With an extra Worker, your squares are already improved when you work them AND you have roads ready to your next city sites.
I just replayed Moscow on the Hill, where I start 8 turns behind for completing my additional Worker in 3550 BC. I built a Warrior in 3200 BC (instead of 3450 BC), and without rushing I got a Spearman in 2900 BC and Settler #1 in 2590 BC to found St. Petersburg (hill at the ocean, connected to Moscow and the Ivory) in 2510 BC (only two turns behind) with Worker #2 ready to improve the second FL Wheat square and protected by my Spearman from the barb Warrior that is approaching.
A second Spearman was completed in 2390 BC.
In 2150 BC, I discovered Iron Working (after Ceremonial Burial and Mysticism which I traded for Warrior Code, Masonry, Alphabet, The Wheel and money). We are now #1 in science thanks to not rushing anything.
Still without rushing, I built Settler #2 in 2150 BC to found Kiev (hill NW) in 2070 BC (two turns behind) with Worker #1 ready to start improving the terrain.
In 2030 BC I can have a rushed Settler #3 and start the war machine, with Horseback Riding around the corner. Moscow would be size 2; St. Petersburg has completed another Worker and is growing fast with 2 Workers improving the terrain.
This is now 2 turns ahead of your opening play, I have twice the terrain improvements with all cities connected, a science lead and
the extra Worker. Money was never a problem.