Not claiming the title of SME, but I've done enough vehicle stops to have a good sense of how things go.
A person moving around such as to retrieve a wallet from his/her pants is normal. Such movement is noted along with the totality of circumstances, but doesn't in itself cause great concern.
Reaching for the glove box isn't unusual. It is definitely noted, and causes me to start paying more attention to everything. Still, it happens a lot.
Movement toward the floorboard, ducking down, appearing to be putting or taking something from under the seat, however, will garner plenty of attention.
The question re: why one is carrying, is almost always based on curiosity, and not aggression. I never did encounter anybody in a LE context who was CCW'ing, or at least who let me know (I don't know of anybody in this area who requires notification). I'll have to ask my other LE friends.
While there's nothing technically wrong with "...because I have a permit," as LE I would read such a response as sort of a circular attempt not to answer -- an effort to hide something. Were I standing beside a car I'd just stopped, I would be more inclined to recognize something like, "...My sheriff believes that I have a good reason," as the equivalent of saying that there are good reasons, but I would rather not discuss them. Much more friendly, less confrontational. I would be more likely to respond, "I understand." But I would still be wondering what led you to carry.
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