Before England and Germany develop so much improvements and before you collapse and pillage everything the timeline for 5000 gold will most likely be over anyways (actually I'd like to read some real strategies on how to win with Vikings).
I disagree, I had lots of time getting to the gold requirement in mid-1400s.
As a general Viking strategy I adopt the following:
1) Make Inverness your capital (i.e. don't found any other cities until you capture Inverness). When England spawns, you won't lose your capital. In the 600AD start, you get your workers before you found any cities. In the 3000BC start, you will lose your workers with this strategy. I choose the 600AD start normally for this reason.
2) Adopt Slavery, not Serfdom. Slavery is vital for Kalmar to produce anything worthwhile at any stage before Universal Suffrage. The Strategy guide in the wiki favours Serfdom which I consider to be a poor choice.
3) Initially found Lulea, Kalmar and Sundsvall (after making Inverness your capital). Later on also found Oslo, but don't worry about Bergen. You don't really need the Whale that much. Found Dubh Linn (raze any cities built by England/Independents which cannot get all three coastal food resources within their fat cross).
4) Research Civil Service first (Berserkers and Bureaucracy). Then put your research on 10% while heading for Astronomy (Compass before Guilds). Trade techs wherever possible, even if you get a poor deal, especially where it will allow you to open borders agreements.
5) Build Berserkers like they are going out of fashion, preferably with 2x promotions via Vassalage and Barracks. Then start pillaging and razing cities. A spearman escort when entering Germany is advisable. Attaching a Great General to a Berserker will allow for rapid pillaging if you choose the +1extra movement promotion.
Also it is too random, once I pillaged 2 mines in a turn: 5 gold the first, 45 gold the second
The UP is 5x the base value, so this is not unexpected. But I was averaging around 25-30 gold per improvement pillaged (taking mines/pastures/farms/cottages into account).
I do think the UP is good, but it doesn't help much with the UHV goal.
Not so. You can use the money to buy some of the techs that you are lacking enroute to Privateers. What else were you planning on doing with that money anyway?
Also I don't like the goal at all. It should be something connected to plundering and pillaging, but accumulating wealth doesn't necessarily mean this.
Other than pillaging, I suppose it could include razing a couple of cities (looting), or capturing a bunch of workers (raping). This might be nice, but I'm generally happy with the Viking UHV conditions. They are attainable, sufficiently challenging and sufficiently historically accurate for my tastes.