I can't see where it would ever be a factor. The change in Vmca with weight (or loading) would be in the magnitude of approx. 1%. Insignifigant. The change in stall would be over 10%, So, yes, you would have lateral control when falling out of the sky.
Vmca, remember, is with the most critical engine inop, and the other(s) at max power. I doubt you'd want to go to 30 degrees of bank while on the ragged edge.
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