That is rubbish, very easily doable. Why do you want your bags for a 24 hour stopover, leave them checked in transit and have a carry on. Nothing stopping you leaving the airport if you don't need a visa.
I was traveling to Dubai with a hotel booking. Intended to get some sleep before a key meeting. Had a business suit which was easier checked-in in it's bag.
The Emirates uniformed check-in staff had said the checked bag would come out on the carousel in Dubai. It did not.
The gospel from Emirates:
"I have checked the history of your reservation which reflects that you were staying in Dubai less than 24 hours. I would like to explain that if a passenger has an onward flight within 24 hours, it is our normal policy to through-check them and their baggage to their final destination. Furthermore, it is not possible to check-in the passenger to the final destination and the baggage just to Dubai as the check-in system will not allow this."
More from Emirates:
"I also wish to point out that as per the terms and conditions of the fare type which you purchased, you were not allowed to stopover in Dubai."
I can't find the above any where in the terms and conditions. Is this stated somewhere? Emirates check-in staff also think different.