Yes, it is silly. Many states have wording like that so that people without CHP can't carry in cars. You're lucky you can carry loaded in WV. In WA if you do not have a CHP you have to unload your gun. I would saying laying it in the passanger floor would be legal, as you would have to put an effort into reaching it. Or depending on your car, the passanger cubby area usually attached to the door. That way it is still visable and you can have it loaded, too!