  We select a disk-like galaxy sample with observations of the $HI$, $H_{2}$
and dust from Herschel Reference Survey (HRS), and derive inner HI masses
within the optical radius. We find that the inner gas-to-dust ratio is almost
independent of gas-phase metallicity, and confirm that the inner gas mass
($HI$+$H_{2}$) shows tighter relationship with dust mass and monochromatic 500
$\mu m$ luminosity than the integral gas mass. It supports that dust is more
closely associated with co-spatial cold gas than the overall cold gas. Based on
the newly calibrated relationship between inner gas mass and dust mass, we
predict dust masses for disk-dominated galaxies from the xCOLD GASS sample. The
predicted dust masses show scaling relations consistent with fiducial ones in
the literature, supporting their robustness. Additionally, we find that at a
given dust mass and star formation rate (SFR), the galactic WISE W3
luminosities show significant dependence on the [NII] luminosity and the
stellar mass surface density. Such dependence highlights the caveat of using
the W3 luminosity as integral SFR indicator, and is consistent with findings of
studies which target star-forming regions in more nearby galaxies and
accurately derive dust masses based on mapping-mode spectroscopy.
