Thanks for the replies! I think part of my question is that I don't know African culture very well, so if the dwarves are taking from there, I would love some sources I could read and view.
The pictures are straight from 3E FRCS and the descriptions are from Races of Faerun.
The shield dwarf, at least the one from the 3E FRCS, almost makes them look ... frilly. I mean any aristocratic look from the 17th and 18th century. I guess that could be Scottish but I didn't put them specifically there. (Well, that's not true, as I make all dwarves Scottish along with a bad accent for it. I didn't think it was official.) From Races of Faerun, p 18, "Adults shield dwarves are expected to support themselves and their family as well as bring honor and riches to the clan. While shield dwarves do not shy away from displays of wealth, they avoid ostentatious or decadent behavior."
Shield dwarves are described as more individualist, though, in bringing honor and glory to the clan. It says that clan life is nearly gone for shield dwarves.
The gold dwarf, from the 3E FRCS (Can you tell that's my reference point? Besides, seems like they reprinted that info in SCAG.) I didn't take the gold color to be gold but it could be. Okay, yes, I can see that.
Races of Faerun, p.12, "All adults are expected to support themselves and their family as well as bring honor and riches to the clan. Ostentatious displays of wealth are important for maintaining one's prestige, so poorer gold dwarves often scrimp and save to keep up appearances." (emphasis mine)
ibid, p 13 "Gold dwarves favor magic items that aid in combat, facilitate craftwork, provide personal protection or comfort, guard against theft, or are adorned with fine metals and gems." (emphasis mine)
Gold dwarves still hold clan above individual achievements. They have clan elders who enforce traditional practices.
I am finding this fascinating. I didn't read those passages that way but I can see how they could be read that way and I appreciate hearing this and being able to look at it differently.
Thanks for the discussion!