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To simplify things, we'll ignore the objective XP and focus purely on the Cloaker Gold (incidentally, the objective XP saves you roughly 17 bags of Cloaker Gold; but I'll give you the value purely in terms of Cloaker Gold).
XP multipliers for each difficulty are:
-Normal: x0 (base XP only)
-Hard: x2
-Very Hard: x5
-Overkill: x10
-Mayhem: x11.5
-Death Wish: x13
-Death Sentence: x14
I'm going to ignore all other sources of XP bonus (such as Stealth Bonus, Infamy Bonus, Perk Deck Bonus, Gage Package Bonus, etc.) which will naturally bring down the number of bags you need; again for simplicity.
Prison Nightmare has a JC level of 30, meaning if you're running the heist at Level 0, you'll be getting an XP penalty of x0.7 xp.
To get from Level 0-100 takes 23,336,413xp. We'll round that to 23,300,000.
Therefore, to go from Level 0 to 100, using just the Cloaker Gold, would take you, roughly:
-Normal: 39,160 Bags
-Hard: 19,580 Bags
-Very Hard: 7,832 Bags
-Overkill: 3,916 Bags
-Mayhem: 3,406 Bags
-Death Wish: 3,013 Bags
-Death Sentence: 2,798 Bags
Just do diamond store my guy
Indeed.
For comparison, each bag of Meth secured on Cook Off gives 8,000 base XP. It does have a higher JC threshold though (JC of 60 compared to 30); so you'd only be getting 3,200 base XP per bag. Prison Nightmare, with the JC penalty, gives 595 base XP per bag.
If you can secure 6 bags of Cloaker Gold in the same time it takes to cook 1 bag of Meth, then it's more efficient to run Prison Nightmare at Level 0.