I know what you mean. The only golden tools I have unlocked are the slingshot and watering can, and I do use golden versions of each of them. The slingshot because it honestly gets used infrequently enough that the golden one does last a long time, and the watering can for similar reasons (I only have a few patches of flowers I water daily at this point). I definitely accumulate gold nuggets faster than I use them to craft those two items.
But yeah, for things like the net, fishing pole and shovel? Yeah, don’t think I’ll bother. Mayyyybe I’ll make a golden axe when the time comes, since the only thing I even use it for it cutting down bell trees I’ve harvested (so once per day).