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 mass-to-light ratio is needed to physically
represent the radially varying stellar population. In this article, we use
chemo-spectrophotometric galactic evolution (CSPE) models to determine the
mass-to-light ratio for a wide range of masses and sizes in the scenario of an
inside-out formation process by gas accretion. We apply our method on a SINGS
subsample of ten spiral and dwarf galaxies for stellar bands covering from the
UV to the MIR. The CSPE models prove to be a good tool to weight the different
photometric bands in order to obtain consistent stellar discs' masses
regardless of the spectral band used. On the other hand, we show that colour
index vs. the mass-to-light ratio relation is an imperfect tool to assign
masses to young stellar populations because of the degeneracy affecting
mass-to-light ratio in all bands at low colour index. Resulting discs from our
analysis are compatible with the maximum disc hypothesis provided that adequate
bulge/disc decomposition is performed and correction for the presence of a bar
is not neglected since it disturbs the internal disc kinematics. Disc-mass
models including mass-to-light ratio-as a free parameter as well as models
using our physically motivated radial variation of mass-to-light ratio are
presented and discussed for each galaxy.Comment: 27 pages, 15 figures, accepted for publication in the Astrophysical
Journa