The baryonic mass-to-light ratio () used to perform the photometry-to-mass conversion has a tremendous influence on the measurement of the baryonic content and distribution as well as on the determination of the dark halo parameters. Since numerous clues hint at an inside-out formation process for galaxies, a radius-dependant is needed to physically represent the radially varying stellar population. In this article, we use chemo-spectrophotometric galactic evolution (CSPE) models to determine for a wide range of masses and sizes in the scenario of an inside-out formation process by gas accretion. We apply our method to a SINGS subsample of 10 spiral and dwarf galaxies with photometric coverage ranging from the UV to the mid-IR. The CSPE models prove to be a good tool for weighting the different photometric bands in order to obtain consistent stellar disk masses regardless of the spectral band used. On the other hand, we show that the color index versus relation is an imperfect tool for assigning masses to young stellar populations because of the degeneracy affecting in all bands at low color index. The disks resulting from our analysis are compatible with the maximum disk hypothesis provided that an adequate bulge/disk decomposition is performed and that the correction for the presence of a bar is not neglected since bars disturb the internal disk kinematics. Disk-mass models including as a free parameter as well as models using our physically motivated, radially varying are presented and discussed for each galaxy.
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