Dude the cop is in your property, the game is based on USA way of deal with the law, so just based on him trespassing your property, you are in the right and he is in the wrong, because htere was no illegal thign occurring, so he is harrasing and trespassing you property. But if you don't want to deal with him, just turn back to inside your property and call the cops, is easy as fuck and everything that the MC do in that sceneraio is in the legal way of doing things. Now it seems that dealing with a problem or with a guy that harasses you because reasons whiole being off duty, and calling the cops or saying no to him is not being smart, but sayign yes sir here you go my id, do you want somehing else? my wallet? my car? is being smart and just bidding your time to later deal with him. It's dumb as fuck, and I have seen plenty of dumb moves in porn games, but that is probably one of the dumbest and poorly wirten interaction I have ever seen, and you still defend it, even after complaining yourself about it, if that's not fanboying...you should get an honored mention in the next update, a picture with your photo in one of the scenes and under it, the "most loyal fanboy of our game".
The not telling to the people because they will think it will sound like an excuse, it's because the time to do that has passed, when you start having problems, you should be truthfull with your paying customers, if you don't say anything people will assume many things, if you still don't say anything after that and keep missing deadlines, people will think that anything you say is BS, because there is no way to know if they are telling the truth or not, because they didn't comunicate really well with the player base.