-note- I'm pretty sure the gold city river system is different to the capital river system, we'd need to road the connecting land tile betweem them?
Using cows it's still 16 turns until border pop. That's a lot early game.
With 1W, I think the play would be settle and work the FP while chopping a monument and irrigating a FP.
There is no certainty Monty_team will declare on Willem_team, Willem_team is angry with Monty_team but Monty_team didn't reach a decision as of yet. So it's still a bit risky but i think i like it better then 1W of gold which is neither safe nor a particular good spot. Due to religion probably Willem_team will be the target though.
My primary concern with the cow/gold site is that Monty could potentially put a city right next to the gold, stealing the tile, creating border pressure and keeping the north open for his further expansion.
We can cut this down to just 9. The forested hill east of capital has to be mined anyway. We can pre-chop or pre-mine this, and get 20 hammers as soon as we are ready to plant down our city. Also note my city location actually is quicker for the units to reach so we save a turn there as well. We can also pre-chop the forest north of that hill, since it doesn't affect our capital health in any way. Thus, 40 hammers the turn we found our city.. over-flow goes into the the archer which will be the next few following units on that que.
So in the end, our city is off an running far more optimal than the 1W of gold.