You're right that the dynamic events skip around a bit on server restarts, but I've not seen any evidence that loot does. In fact, the loot that spawns at dynamic events actually spawns where the chopper or police car is supposed to, even if the chopper/car is several meters away.

If your theory was correct, we would see at least some loot spawning outside of buildings, on the roads, in back yards, etc.

I think any loot you see in the floor or in walls is just a buggy loot spawn point that needs adjusting.

I hope for a loot fix by the time 0.57 update arrives