You did fine.
You are allowed to OC loaded in this state, you just cannot while in a vehicle. That includes ferries, busses, cars, etc. When in the vehicle, you cannot have the firearm loaded or concealed on your person UNLESS you have a CPL. When you got back in your vehicle, all you really needed to do was unload your gun and place it in the open. You could have even just hit the mag release and set the magazine next to you while driving and still have your gun holstered like normal, as long as there wasn't 1 in the chamber.