You can use capturing groups with alternations matching either string boundaries or a character not _ (still using a word boundary):
var re = regexp.MustCompile(`(^|[^_])\bproducts\b([^_]|$)`)
s := re.ReplaceAllString(sample, `$1.$2`)
Here is the Go demo and a regex demo.
Notes on the pattern:
(^|[^_])– match string start (^) or a character other than_\bproducts\b– a whole word “products”([^_]|$)– either a non-_or the end of string.
In the replacement pattern, we use backreferences to restore the characters captured with the parentheses (capturing groups).