It's hard to go wrong with one folder and one multitool if they're good quality. I carry a backup but it's just a Gerber EAB folder which is more money clip than knife.

I only upgrade to a fixed blade when I'm hiking/camping/etc.

Personally I'd steer clear of ceramic or tanto tipped blades in the urban jungles. The purpose of a tanto tip is to make the knife stronger for thrusting. To law enforcement can mean a fighting knife. Same goes for ceramic...to many the only reason such knives exist is to fool metal detectors. That can look bad to LEO types too.

Stick with quality and spread your stash out a bit instead of carrying too much. I put my knives in different locations so I have them around when I need them.