Here's what happened at the end.
Hackman got the girl.
Let's examine the facts.
- The guy who got killed cued Hackman in to the fact that they'd been compromised, so there was no reason to go to the docks to meet the girl except if he thought he had to put on a good show because her life might be on the line. His friend hidden in the cargo hold with a shotgun furthers this theory.
- His wife was too smart to think he wouldn't have a backup for their meeting.
- "It was a cute plan" / "Cute is a Chinese baby" was uttered immediately before the lie about the car was made up to ditch the kid. ("Burn the car.") It's the cue they use to let each other know they're about to pull a fast one.
- Neither Hackman, nor anyone on his crew, killed anyone who didn't pull a gun first.
- There's no way Hackman would choose the bright shiny pickup truck over the old, beat up one, and she knows it. (Nobody suspects an old beat up pickup truck.)
- He wouldn't be putting the finishing touches on the gold bars, he's too meticulous for that, it would have been done months in advance. The paint bucket is for show.
When she shows up, she immediately cues him in to the fact that she's got mustache guy with her with the "two things" and "Chinese baby" line. He plays along with the "two things" thing for show, knowing full well what she meant by the 2nd thing.
He comes in, but since he's not going to shoot there's no reason to shoot him.
She chooses the obvious pickup truck - the shiny new one with the freshly painted bars & makes a clean getaway with the kid.
Later, she convinces him they were both swindled & she ditches him and rejoins Hackman.