I actually didn't know about this loot method at all until a couple days ago. I just dinged 90, and got into a Galleon group. I DC'd at the very end of the fight, and when I logged back on, everyone was disbanding and going home, I was all "Well, fuck, I missed the loot roll". So I fuss about for about twenty minutes or so, go to log off, think "Hm, have I emptied my bags yet?". I open my bags and there's a 496 epic ring sitting in there (remember, I just dinged, so that's a pretty damned big upgrade, and my first epic on this toon). I had no idea it worked that way, I had to look it up to find out where the hell the thing had come from, it just magically appeared in my bags.