Nah it's cool. The main reason I would comment or bring up an argument is because I want to be proven wrong. As long as valid counter-points are brought up, I am happy.
Truthfully, I've only played around 4 or 5 games as the Dutch, which is certainly a low enough number where RNG could have screwed me over. Perhaps polders are more common than I'm giving credit.
And I don't particularly mind not having the coastal bias (I think I've read that they try not to give biases when possible, else it could screw over those who actually need them? Given the choice between Carthage/Byzantium or Dutch getting the coast, I'd rather they have it since their UU's come so early).
I'm still not seeing the benefit of the gold trades though. In the early game I am so strapped on happiness as is, that an extra two isn't going to be a game changer. I suppose it can help "bridge the gap" in between getting colosseums up and the like, but very minor boost in the big picture. No complaints for luxuries though, +2/3 happiness extra is an awesome deal.
Like I said, I don't think they need a change, but something like +1 gold on naval trade routes would be something to help round out the Civ. Luxury for luxury is nice, but not reliable (AI won't give up their last copy, so they need two). Something like +1 gold on naval routes would ensure you get something reliable, and any polders/luxuries gained beyond that is left up to chance.