More information would be helpful. Post a save with every map-specific query if you want the best possible responses.
In the absence of any other information, that would have been my 2nd city. It's a shame that it's desert hill gold rather than plains hill, but still. It can borrow your capital's wet corn to grow onto the gold quickly and provide a very useful early commerce boost.
Whether you build the city or not, you might want to connect it up for the +1 happy now it's in your cultural borders
Absolutely put a city there for the two gold tiles. At size-5, this city could easily be turning out 20. It's extremely close to your capital, so distance upkeep will be basically 0. Number-of-cities upkeep and added civic upkeep... depends on the rest of the empire, but ballpark it at 2-7 per turn. So it's providing a healthy boost to your tech rate.
Further, because of overlap with the capital it can help develop cottages for an eventual BUR capital if you have that in mind for the future.
As to whether I'd settle it now or later: it just depends on the rest of the map. Are you crowded? Are there other good city sites available? Is commerce or production more important to you right now?
Yes I would put a city there, and pretty early 2 gold mines are just too good to pass up.
With the corn there and those 2 river grassland tile they are perfect for cottages, It's too early for you but I would almost be tempted to put collosus down in that city and use the lake 1S2W of the city spot and omg it's wet gold *drool*. If you were to set up that city correctly (monastery,library,etc) that city would be producing more then half your total commerce (beakers).
Nobody is going to steal "your" land, at worse what you would need to do is to put a city in between your 20% defense city and those peaks and then another on the other side of those peaks, Mansa won't come all the way around your cities just to plant a city behind you.
BTW, you didn't ask this but I'll point it out anyways. You have 3 cottages in your capitols bfc which it isn't (ready to) working (yet), your second city in the screen also has 2 cottages it isn't working (yet), you shouldn't have too many improvements over the amount the city can work at cap, really you should only have 1 extra non worked improved tile in your city's bfc, for use instantly by your city the moment it can grow.
It's a very good site. I would have settled it second. As a sixth city the gold will matter less. While as if you manage to settle and work double gold early it really lets you fly through the early tech tree.
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