That is a rediculous situation. Thats why I just went and got my CHL, so I dont have to worry about it. I just have to inform any officer that I have it (or them) on me when they ask for ID. Texas doesnt even require a CHL to carry in you car anymore.
And I agree with what bruce asked about why bring it along if its unloaded. My CHL instructor told us in the class that if we came in with our weapon for whatever reason and it wasnt loaded he was going to slap us. He said you might as well be carrying a rock.