Yep. That's why I'm not interested in any pay-out.
Mind you, it shouldn't be that painful, should it? One ship loads up with 100 collector limpets, and the other just dumps cargo (assuming large enough ships). Would that take more than a few minutes?
Depending where you do it, you're limited by the number you can drop at once before they self destruct. Also, lets assume the CMDR can fly off when all their cargo is droped without the age old bug of their cargo then not being accessible kicking back in.
Of course in an ideal world, you should just be able to dock ship-to-ship and do a simple/solid lump transfer IMHO - https://forums.frontier.co.uk/showthread.php?t=238907