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What I did is I made them split the gold and am on good terms with both factions.
Edit; Examples are, the Ammo Factory can only be bought from the Raiders and Dirt Tiles(I think) can only be bought from the Settlers. There are several items like that, that only one faction sells. Weapons and weapon mods included.
Edit 2; That's probably why Minerva was added to the game. So that players that sided with only one faction would have a chance to buy items that only the other faction sells.
You could Google your question to try and find a list, but items have been added that were not originally available for bullion when Wastelanders released.
Settlers have the Chinese Stealth Suit. Only other missables are during BoS quest line with the brothers and Robco vault for Wayward.
The CSS is awarded before the 'Siding With' cutoff quests.
The Slug Buster is during the Raiders raid and Settlers have nothing unique during their raid (Even though there is a choice with Penny that seems like unfinished content that would have awarded something).
The T51b Helmet
The Chinese Stealth Suit
Slug Buster
You can and should do both quest lines up to “side with Crater/Foundation”. More content, more reputation.
The T51b Helmet and the CSS are both available before you get to Side with. So as long as you don’t jump the gun on Side With, you can get both of them.
If you miss the CSS, you can purchase it with bullion from Samuel at Foundation for 4K. So it’s better to not skip the quests.
Slug Buster is only available after you have sided with the Raiders. So you have no way of getting it if you side with Foundation unless you find someone to sell it to you.