You seem to have put up her attack as Multiattack Strength 10, which means it's way out of bounds. It should be Str-based Damage 2 (adding str makes that 10) with Multiattack 10. This is likely to add point errors in the build as well.
I think the low saves are because you made calculation errors with them - there is points in saves, plus the bonus on those saves from Sta, Agi and Pre. I think that is also why you have so many points left over in your build. It is:
Fort 2 (+7), Dodge 8 (+1), Parry 3 (+6), Will 5 (+2), Toughness (+4, +6)
I'd be willing to have you mix in your aquatic power into your movement AE. It seems to fit in there.
Can't really put it there, because if you do I cannot swim and breath underwater at the same time. Or, if something blocks my movement, it also prevents me from surviving in water.
I love that you have started adding luck powers. Are you seeing them as the start of your divine calling? Should expertise: religion be higher?
Bahamut has Healing, Protection and Luck as his main spheres of influence; Some dragons become Sacred Warders of Bahamut, capable of being bodyguards, protecting the innocents and twisting destiny. They are opposed to the Unholy Ravagers of Tiamat, who specialize in destruction.
Expertise: Religion could technically be higher, but I don't actually use it for anything. I might at some point make a more priest-spells kind of array, where proper prayer and the like becomes important. As it stands, she knows the tenets of her own faith, but most of her power is granted, not learned.
On the other hand, I'm confused why the morph is in there. Also, please provide an alternate build if you have metamorph.
Gold dragons can polymorph from birth, and I wanted to stay true to that aspect of the Gold Dragon. On your request I didn't add it to the hatchling stats before, but it is a staple of several metallics that they can easily mix and interact with mortal races (which gives them an edge over their traditional antagonists, the chromatics).
In her Human build her reliance on luck heightens and she becomes more of a Monk-Priestess in terms of build - in fact her Luck might be stronger when she needs it more. I will have to flesh it out completely, as I've stated before, in such a way that it is competitive without becoming her mainstay form.
On the aesthetics of builds and use of skye's sheet or hero lab
I find that it isn't important as long as you write it down properly in a way that can be reproduced. I find Hero Lab exports to be completely unreadable monstrosities, especially between versions of the same tool. Ski's sheet is brilliant, but hard to manage once you have a very extensive character.