Should I stop accepting/sending bitcoins in days before / after forking, or wait some more confirmations more than 3-6 ?
If you only care about BTC, it shouldn't matter. There is supposed to be replay protection for Bitcoin Gold, but even if there isn't, you only risk losing Bitcoin Gold by transacting normally with BTC.
The real risk in these forks (if they have no replay protection) is in trying to send the forked coins. Many users will likely get those transactions "replayed" on the original chain, and if the funds are sent to an address they don't control, they will be lost.
I hope that in the future we have more simplistic coin splitting tools to make it easy for users to dump their altcoins without putting their BTC at risk. At least, I hope to see RBF and nLocktime become more intuitive for users, so they don't have to depend on exchanges/third party services to split coins for them.
I know bitcoin gold enabled replay protection but still everyone is scared i donot know why.
Besides one thing we can do is to send all our bitcoins to diffrent wallet that we have also control of and then use the previous wallets private key addresss to claim our bitcoin gold.
that old address then donot have any bitcoins though that have the snapshot so we can have our gold..
I would do exactly that. Empty your wallet, then use these emptied private keys to access your chains on the forkcoin chain after the split, even if the developers claim there's replay protection, it's better to not having matching addresses before you do any transactions. Better to be paranoid than sorry when it comes to bitcoin, can't loss a single satoshi because of doing something stupid so take all the extra security measures when possible.