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In other words, those excess points just increase the threshold in a 1-1 ratio.
Just to add to this, you do tend to be very careful in the early eras for sure. Once you are on major warfare or have things like National Parks to spam, you get easily repeatable score and don't need to worry much, in fact it becomes impossible to avoid going over.
Oh, it's totaly possible when you're under nuke fire XD
If you do find yourself in a situation in which you are very close to the threshold, and there are plenty of turns left before the next era, sure, go ahead and cross into securing a golden age. If you do that, the extra score is just wasted, but you weren't going to get anything from it anyway, so why delay completing any of the actions that earn era score?
This situation is actually so common as to be expected in later eras if your civ is doing well. By the late game a civ that is doing well ends up completing enough actions that give era score that you don't even need to do anything out of the way, any of those actions that you do in earlier eras just to get era score, but which don't otherwise help you win. Even the most obsessive compulsive civ gamer doesn't bother delaying actions to the next era in that situation. Much of the compulsive seeking of minor advantages slacks off in the end game, when the path to a victory condition becomes both narrow and assured.
As to concern that the score you save for after the era turns over won't make any difference in that era, well, maybe it won't, but that's a bunch of turns in the future, and a bit of help towards golden in that future era can't hurt. Maybe it can help. For actions that give era score but are not time-sensitive, why not put off completion until the next era, assuming you're past the limit for golden? Why not hold off completing circumnavigation until the era turns over? That action does nothing for you but give era score. Of course, some of these actions are quite time-sensitive, so I don't risk leaving a wonder one turn from completion unless I am dead certain that delay won't let a competitor steal it.