"LEO is being an ass by implying I am a nogoodnik with something worth pawing all over my vehicle to get at."
He doesn't know you from adam.
As such, he's not implying anything.
He's just hoping to get the occasional 'tard who says yes and who has drugs, guns, whatever, in the car. Yes, there are people who are that stupid. Like the occasional 'tard who would check "Yes, I am a fugitive from justice," or "I do use illegal drugs" when filling out the Federal yellow form at the gunshop where I used to work.
In other words, he's fishing, hoping you're the dumb big mouth bass.
It's been quite awhile since I've been stopped, but I have never been asked to submit to a search.
But, my response, no matter what, would be a very polite "no thank you, I don't agree to have my car searched." No matter what the officer would say, my response would be the same. Very polite, no angry facial expressions, no combative body language.