The core idea is to watch those monster behaviors since they can absolutely wreck your valuable loot in different ways. Rugrats are super predictable with how they snatch items, just watch for that quick crouch animation before they dart forward and grab something. When bangers start flashing red that's your 2-second window to get items clear of the blast radius, and animals have this specific roar animation right before they start throwing stuff around. Really important to keep an eye on reapers especially near the cart, they do this wind-up swing that takes about 1.5 seconds before slashing your valuables so move them the moment you see that animation start. Spewers are tricky since their vomit effect spreads in a cone pattern for about 3 meters, but you get like a half-second warning when they start heaving.

Maybe interesting: if you're running strength upgrades around level 3 or higher, you can actually interrupt rugrats mid-grab animation with a quick throw. The safest positioning is usually keeping valuable loot about 4 meters behind you while dealing with threats, and always crouch-walk when you're hearing those distinctive huntsman clicking sounds. Good team positioning has one person watching the cart from elevated spots while others handle incoming threats, just remember that banger explosions can still knock items off ledges even if you're above their blast radius.