The cop doesn't jump out of his car immediately when it comes to a stop. You have plenty of time to at least grab your wallet and have it in your lap.
But if you think you're "safer" with him standing one foot away from you, with you reaching and digging into areas he can't see, then be my guest!
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That sounds to me like we have a truly serious problem with the training of our officers then. I don't blame the officer necessarily in that instance but I do blame the system that would allow for officer's to be placed into situations where they are not equipped or prepared to recognize what is truly a threat. I also think that we need to find a way to pay cops much, much more to attract more qualified officers and rid our departments of those cops who are clueless but given a gun.