Most of the good-guys games its a case of need before anything else and thats rather civilised even with the inevitable chaotic alignments. No one really gets all that upset if they dont get an additional toy if its going to someone who desperatly needs it, after all, theyre the ones who'll be looking after you if you buy a dirt nap later on.
The real fun is in the 'evil' game though.
In an email to my DM I mentioned I was swapping out my CE dark elf for something far worse, but as a token gesture of love I did want it stealing everything before buggering off into the sunset. Well, the character did feel it was getting slightly gipped in the divvy it spent a lot of time gathering info for.
The result of said character nicking everyones stuff that physically wasnt nailed to them was in short.
"Delightful"
Man! Some of them spat the proverbial dummy, threating dire acts of violence and other unmentionables if they ever caught it, it was bloody funny and taken very personally by one guy. But I nearly broke a few ribs trying not to be screaming in diabolical laughter.
Now, the evil characters all woke up one day with a little iron ring on their finger which so far has caused immense amounts of agony and cant be removed if they try physical violence on each other. So far no one has managed to gank anyone else successfully, but I think its only a matter of time before someone bites a finger off and goes psycho.
As for loot divvy in that group of characters its sort of a mix of need and whatever you can steal, we dont have a rogue so the stealing is pretty minimal so far. The characters do realise that they are in a situation of being surrounded by vile goodness and low on hit points, they may be evil but they arent stupid enough to deprive someone who is 'useful' to them in the inevitable scraps they get into. At the moment its a LE cleric, a LE fighter, who get along quite nicely, then theres the NE Orc barb who's mostly fair if a bit self centred and lastly, the CE succubus/incubus who is played true to part as I can to being a machine of molestation and evil incarnate. Unfortunatly for the rest of them the fiend, as much as they would like to tie to the boat anchor and send to the bottom of the ocean, dosnt sleep and is constantly reading their minds so they cant really gip it on the lewts. However fortunatly for them, the fiend isnt really that into trinkets but it is looking into ways of getting them to sign a bit of paper in their own blood and is quite happy taking its 'share' in captives or any open orifice presented to it as a trade.