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I mean, it's better than not having it, but it's like pennies off per level.
Gold bars would be better spent elsewhere first.
I'd spend it on getting the Open for Business policy, if you go check out a Scholar NPC's store stock.
There's a Scholar over at Tinker's Camp so check out their inventory.
That will let you start getting Lodging and Tourism income at your base.
Maybe also the Border Watch policy, it lowers maximum allowed level of enemies that can attack your base.
Also, you can buy NPCs at the Slaver in Derphy, where it costs Orens instead of Gold Bars.
Open for Business is always sold by Loytel alongside Resident Tax. Both are really good to have OfB costs 5 and RT costs 8.
Edit: Still new to the whole base building thing but from my experience taxes outweigh tourism so heavily especially early that if you're going to choose one my recommendation would be taxes. You can also get Faith tax and Wealthy tax. Resident and Faith are better unless you have wealthy type NPCs in your town.
1g - home board from Fiama - allows you to enact policies in your base (edit: a quest might give you one I forgot???)
1g - build board from Loytel - allows terraforming and has more and more uses as your base levels up.
Optional:
Travel North to Tinker's Camp and look for Nino.
1g - Mailbox from Nino - All non-package mail you receive will go in here. Otherwise it all clutters around your hearthstone.
2g sculpting table from Fiama. - If you don't mind doing some early crime. Going to Derphy to mine their walls to level up your mining and what not eventually (assuming you talked to the guild first) you will eventually be able to join them and once your mining is high enough. You can mine the thieves guild's walls which are made of gold.
You can use that gold to then sculpt some statues to sell.
Honestly yea, recipes tend to be the hardest to actually get so prioritizing that over random residents and policies early on is probably best. Get things that help produce more gold bars before getting passive stuff.
This is what I did with my first 10 (or pretty close as I think all that ends up being 10 gold bars).
Open for Business plan (5g) from Loytel.