Is that 1990 or 1890? Makes a huge difference!

Pictures?

I would get a bid to repaint or replace and then decide. unless you are a skilled painter and know what you're doing with vanished/urethane sealed oak, then I would not try to do it yourself.

you might consider what you could do to live with it. stain it darker? add more molding and paint the new molding a desireable color preferably a warm color? paint the walls in earthy warm tones and leave the honey gold oak molding?

Do you have any pictures of the oak trim?