RCM vs FCM Understanding

When we file RCM (Reverse Charge Mechanism) for freight-related supplies, the tax amount is reported in Table 3.1(d) of the GSTR-3B, which increases our total outward tax liability. However, we then claim the same amount as ITC under Table 4A(3), effectively nullifying the cash outflow.

Now, if I ask the vendor to file the GST return under the Forward Charge Mechanism (FCM) and provide me with a GST invoice, I no longer need to report this transaction under Table 3.1(d). Instead, I can directly claim ITC on the invoice. This results in a net savings of 5% because my outward tax liability does not increase.

Does this interpretation make sense? And wouldn’t this be considered a loophole in the system?