Don't know if I'm missing something here...
The gag strap is around the back of my neck (at mouth level).
The mask strap is around the back of my head (at eye level).
The two don't overlap/crossover.
I put the loop on first, then the mask as it means I don't overly loosen the gag strap to get the mouthpiece over the mask.
When bailed out, I'll periodically "burp" the loop under my chin (as the loop is pressurised due to the orifice injecting oxygen).
If ever I needed to get the loop above my head underwater, e.g. the "hero" manoever to get loop liquid back in the exhale lung, I've never had a problem pulling it over my mask -- and could easily loosen the gag strap anyway.