Gold Dragons, unlike their cousins, Red Dragons, tend to be very peaceful. They usually live in caves at the tops of mountains. During their life they content themselves with studying and recording history. They also study magic. Gold Dragons are very reclusive, but will emerge from time to time to seek a teacher. They will do this in disguise. They will assume the form of a humanoid for the time that they are learning. Gold Dragons will have between 10 and 25 levels of magic.
Like the green and red dragons, green dragons also have fire breath equal to their real constitution. Referee's, please just cast a fireball that has about this many maximum direct damage points.
Gold Dragons are reluctant to help humanoid communities unless the circumstances are extremely dire. Once a Gold Dragon's existence is known of, humanoids from everywhere tend to solicit the help of the dragon repeatedly. Gold Dragons like their solitude. If that solitude is endangered, they will not hesitate to move to a new, quieter region.