Here's a map over the various options:
Magenta will be chopped T41-43 by a worker, and I think we should mine it too (gold+2 plains hills mines gives 4t-workers out of MM), probably as a separate action.
I think we should put a cottage-turn into Black - it can probably be completed relatively soon by workers coming out of MM that are going to other places.
Red has a cottage. The road will be built T42, and the worker is free for other work from T43. The road will speed up communication from MM to AO.
Blue is unimproved. We can start a cottage there on T41 by going straight to Red on T40. Finished T44, and the worker is available in T45. If want to avoid lost worker turns, it finishes T46, with the worker available from T47...
How soon will we use that grassland cottage? While building workers in AO (which probably will be the build after the settler, in finishing T51 or T52) the forested plains hill is a decent tile if MM steals the deer, or our third city steals some other tile.
So I'm not opposed to cottaging that tile relatively soon, but right now I put a higher emphasis of
getting our third city off to a running start. We need the T43-T46 worker turns (from Apple and the new worker from MM) to speed the settler along to the intended spot and position them to improve its first tiles ASAP.