will there be any way a map maker can have a gold value thats separate than an army value for a bonus?
No, but you can make a template that sets the bonuses to their commerce values and also turns on commerce mode, then just recommend people use that template. This is better anyway since your settings will likely depend on the other commerce settings, like army multiplier, city cost, and base income.
Edited 8/4/2017 01:29:14