Hello!
Thank you Steven, Karen. Sorry, I must understand your anwers first.
@Steven , my "hard trained eyes"

plays crazy with navigation because of calculating from small to big...simple but explain a lot.Many thanks!
@Karen , sorry for my unclear sentences. It is Raw umber+White only the photo made at not true lighting.(too warm) Sorry! I try to make better shots, photographing oilpictures is not so simple as I thought, sorry again)
To my question: I painted seldom "golden" fabrics (I mean the triple stripes and leftside on the cloth as "golden" brocade) I read following about painting gold:
" Gold has long been a favorite of pictorial painters. Probably because its so easy to paint. First, mass the entire area in with Raw Sienna and a hint of Cadmium
Yellow Medium. Then, paint in the highlights with a mixture of Naples Yellow and a little White or a mixture of White, Cadmium Yellow Light and Cadmium Orange.
To make the gold look shiny and convincing, you must add dark tones to contrast with your highlights. Mix Alizarin Crimson and Ivory Black into your mass tone
and paint the dark areas. The brightest areas of color are midtones made with Cadmium Orange and Cadmium Yellow Medium. These midtones should be lower in Value than the highlights. Any reflected colors should be mixtures of the color and the mass tone. Reflections can
never be lighter than the highlight."
(Source:Watson-Guptill-Book, Rob Howard)
Now this confused me a bit : this above is "direct painting" but with more steps. A building-up process like normally underpainting. Now I asked me, if I paint this complicated and time eating clothing, should I paint with this mass tone etc...from the text above (directly) or with R.U.+T.W like the rest of all. (won't to paint 2 times)
Or in other words: How to paint gold in your underpainting method?
Quote:
"I try to keep yellow out of the underpainting and reserve those warm colors in the upper layers in order to represent light."
should means: ALL the things in pictures MUST be underlayed with R.U.+Wh. there is no "extra tricks"?
BTW: Daler-Rowney has an "Underpainting White", is it better for that as Tit.Wh. or Flake Wh. (anyhow not to buy here) ?
Sorry for my curiosity, (unsure in myself yet) , Many thanks!!
PS: I working on the likeness, hand etc..so long, every day new flaws...I think it is good to lie a picture for a few days/times down, than seeing with "clean mind".
Sincerely, a fighting Leslie.