No. You don't have to put the bags out on the last night of the cruise. If you put the bags out, you can walk off the ship without any bags and collect them at the port. However, if you do not put the bags out you will have to carry your bags with you when you disembark. Due to various regulations, the ships crew are not allowed to assist you carry your bags off the ship.
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I assume you meant the night before you get OFF the ship. You have the option to walk off the ship carrying all of your luggage. You'll be the first off the ship if you do. If you don't want to or can't do that, then you have to leave your bags out the night before disembarking. The bags have to be collected so they can be ready to be off-loaded upon docking.
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