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"It's just a negative descriptor for anyone who isn't indigenous or a 'Person of Color"'"

This is proof that you don't know what you are talking about. The word "settler" is often applied to people of colour, e.g. a person living in North America, who is an immigrant from Pakistan or a person of Chinese descent, will be understood as a settler.

As for "goyim", it CAN be used in that fashion, but it does not inherently mean that. Just as "Jew" or "gay" or many other words can be used in an insulting fashion, but on the whole, the words remain neutral descriptors. Some people, like Marxists, use the word "anarchist" to insult each other, too