Is it better to hurry with cavity treatment?

Recently, while brushing my teeth, I casually looked at them and noticed that there are about three decayed spots on the molars, even at a glance. I don't have any pain or sensitivity symptoms for now. I know I should go to the dentist, but I'm secretly scared and hesitant because it feels burdensome.

Maybe it would be good to just pay close attention and watch while brushing my teeth. Or should I go before it gets worse?

If I get treatment, I think ceramic would be better because it matches the color of my teeth, but in terms of durability and other aspects, would gold be a better choice?

I was getting along without much inconvenience, but seeing the decay firsthand keeps bothering me.