I disagree with DZ. I feel we should build ontop of the gold. This will give us an important science, and defensive boost. Very useful in MP.
I don't think luxuries should be necessary at the moment. I play solely on Emporer, a single warrior should be enough for the early stages. If we ever do get to size 3, just raise the luxury rate (we'll have the available commerce from building on the gold/river).
The worker should go due west, and the settler should go due north. This way we'll get a good view of the surroundings, and be right next to the gold, where we'll be building the capital
As for the initial building, I believe we should build a warrior, then another, then another, then a Settler/warrior. Afterwards, a granary -- assuming we've got no cattle/wheat.
I don't see the need for another worker this early in the game.
Edit: Btw, the initial warrior would be an explorer, the 2nd would be for martial law, and the 3rd would be for exploration also.
These are just my opinions btw

(how are we going to decide?)
Edit again: Arg. I'm undecided. I forgot that we could get curraghs... that could be vital for communications, although note: our capital won't have a very good production rate if it was built there. Not much in the way of bonus grassland...