The Goldbach conjecture is a statement about the natural numbers. When we say that it is false or true we mean just that there is or there isn't an even number greater than $2$ that is not the sum of two primes. When we say that if it is not refutable in $\sf PA$, then it is true we mean that if the formal statement of the negation of the Goldbach conjecture isn't a theorem of $\sf PA$, then every even number greater than $2$ is the sum of two primes.
In fact, we can prove a formalization of this conditional statement in $\sf PA$: if $\varphi$ is the formal statement of the Goldbach conjecture, then $\sf PA \vdash \lnot Prov_{PA}(\ulcorner \lnot\varphi\urcorner)\to \varphi.$ The same can be said for any $\Pi_1^0$ arithmetical statement, and holds equally well if we replace $\sf PA$ with any reasonable foundational system. If $\sf PA$ actually can't prove $\varphi$ or $\lnot \varphi$ there is no contradiction here, since by the incompleteness theorem, $\sf PA$ can't prove any statement of the form $\lnot \sf Prov_{PA}(\ulcorner\psi\urcorner),$ as this implies $\sf Con_{PA}.$
Say we could show in $\sf ZFC$ that the Goldbach conjecture is independent $\sf PA$. Then by the above theorem, we would have a proof in $\sf ZFC$ of the Goldbach conjecture. We could also then prove that there is nonstandard model of $\sf PA$ where the Goldbach conjecture $\varphi$ is false, and by the above theorem, $\sf Prov_{PA}(\ulcorner\lnot \varphi\urcorner)$ would be true in the model and so the model would think there was a proof in $\sf PA$ of the negation of the Goldbach conjecture. This is par for the course: nonstandard models of $\sf PA$ often disagree with the metatheory about things. (The model also disagrees about the Goldbach conjecture in this case, of course.)
We don't need to take a philosophical stance on absolute truth even about natural numbers in the above discussion: everything I said are just formal consequences of certain theories. Maybe we're pluralists of some sort and we think Golbachian and anti-Goldbachian mathematics are both interesting. When we're doing anti-Goldbachian math, we necessarily assume the Goldbach conjecture is refutable in any reasonable theory (though we don't have a concrete refutation any more than we have a concrete counterexample to Goldbach), as that's a straightforward consequence of the negation of the Goldbach conjecture.
Of course, neither Goldbachian nor anti-Goldbachian mathematics presently has a consistency proof, and if one day the conjecture is proven or refuted, one side will either have a bunch of useless results, or perhaps can retreat to studying weaker systems where the conjecture is still independent. But this is just a highly formalistic way of framing ordinary mathematics: people study consequences of both sides of undecided conjectures all the time.
On the other hand we could also think the natural numbers are a real thing and the Goldbach conjecture is a sharp statement about them that may be true or false, and if it's false nearly any reasonable formal system will prove this. (That's how I actually think about it.)
On the axiom of choice, people could mean a lot of different things when they say it's false. They could mean it's false in the model they're working in right now, they could mean they are assuming its negation (in the background theory they're working in, or informally), or they could mean they really believe there is such a thing as abstract sets and that they believe the axiom of choice is not a correct statement about sets.
Some people might not even mean its false in any sense, just that they choose not to assume it when they do mathematics. This could be because they are realists and aren't sure if it's true. Or maybe they're quite certain it is true, but they're topos theorists and they only want to use set theoretical reasoning that is valid in any topos (and avoid excluded middle and some other stuff too). Maybe they're traditional logicians and are interested in consequences of $\sf ZF$ without the $\sf C$ at the moment, their philosophical positions notwithstanding.
In any event, the theorem that the axiom of choice is independent (assuming $\sf ZF$ is consistent) doesn't pose a challenge here. If we are realists about set theory who think the axiom is false, then we believe it's not true of actual sets. We don't care about what a model of $\sf ZFC$ (perhaps we should call it a nonstandard model of $\sf ZF$ in this case) thinks any more than we care what a nonstandard model of $\sf PA$ thinks about the Goldbach conjecture (in the unlikely event that it's independent of $\sf PA$).