I agree with Ken, and it definately depends on the circumstances of the stop and the degree of skiddishness you see in the officer.
As I've said countless time, I really never gave much thought to a guy/gal packing legally and telling me about it. They're usually not the one that's going to hurt you.
Now, if there's 2 officers on the stop, you can just about bet that one of them is going to be sneaking and peeking around the passenger side.
The last thing you want to hear is "GUN!" coming from some now panick stricken rookie on your right that caught a glimpse of your grips
As for handing it over, if the statute requires it, then again, it depends on the officer.
If they want me to hand it to them, I'll hand it to them.
If they want to remove it, so be it.