I am NW15/20 as well and I love MAC Golden bronzer. I use it everyday. On the site it says there is gold shimmer but I have never noticed it so it is very very fine. Maybe you could try it at a MAC counter/store
Bobbi Brown in Light or NARS Zen or Laguna applied with a brush like the 188. Or, you can get the Armani Bronzer in #2 which gives fairer complexions a sun kissed look.