On heists with seperate loot and escape vehicles can loot bags be escaped?

Certain heists such as Watchdogs and Rats Day 3 have two different vehicles that are generally available at the same time. One is indicated to the player as a loot securing vehicle and the other is indicated to the player as an escape vehicle.

Can loot be secured by taking it with you to the escape vehicle even though the game doesn't offer a "loot secured" text alert?

I see three scenarios that can be tested:

1) Loot is secured in the dedicate loot vehicle

2) Loot is on the ground in the escape area

3) Loot is on a player's back who is in the escape area

Further testing indicates that only Rats Day 3 allows you to skip the loot vehicle by carrying the bags. Dropping the bags on the escape area does not count.

We tested this on Rats Day 3 by taking the cash bags to the escape chopper rather than loot chopper and they did count towards our reward for the mission (listed as bag loot items). Only the bags carried by players were counted. I haven't tested on other missions.

The behaviour of this mechanic is very inconsistent. As rightfully pointed out by 3ventic, bags you're carrying on day 3 of Rats will count towards your payday. However, this is not the case with the cocaine on day 2 of Watchdogs.

After a significant amount of testing though I've come to the conclusion that basically, the behaviour seems to be as follows:

• if it's yours and you escape with it, you keep it,
• if it's not and you escape with it, it counts as a failure and that bag isn't counted.

This means that in the instance of Rats, the money you escape with counts because it's now your money. In the instance of Watchdogs, escaping by carrying coke will not count as it's Hector's coke - not yours. By exiting the level with the coke, Hector never receives it and you're not credited with escaping with it.