head to head
Neither is simply harder - they are hard in different places. Grand Theft Auto: San Andreas demands more optimization; Loaded demands more execution.

Optimization · Practiced Mastery
A sprawling open-world crime epic with RPG-style character stats across a whole state.

Execution · Practiced Mastery
A top-down shooter testing sustained aim and crowd management against scripted hordes.
Grand Theft Auto: San Andreas leans Optimization (Practiced Mastery); Loaded leans Execution (Practiced Mastery).
Loaded leans clearly harder on execution.
Grand Theft Auto: San Andreas
Flying school and drive-bys need decent hands
Loaded
Top-down aim and dodging hordes is the entire challenge
Same score on reads - which means the number cannot separate them. The difference is in what each one asks of you.
Grand Theft Auto: San Andreas
Gang AI is scripted, never adaptive
Loaded
Enemies swarm on fixed spawns, never adapting
Same score on variance - which means the number cannot separate them. The difference is in what each one asks of you.
Grand Theft Auto: San Andreas
Territory wars and traffic add light randomness
Loaded
Level layouts hide little after a first run
Grand Theft Auto: San Andreas leans clearly harder on optimization.
Grand Theft Auto: San Andreas
Stats, gym, weapon skill, and routes reward systematic play
Loaded
Character choice and route learning ease each mission
A matching score does not mean a matching test. Two games can both sit at 10 on execution and demand completely different things of you - which is why the reasoning above matters more than the number beside it.