I don't carry a micro knife, but one of my folding knives is always attached to my right front pocket. A Swiss Army multi-tool would not replace a folder, but would rather be an addition. For me, a blade is vastly more important than the other stuff that's in a Swiss Army multi-tool. So, a decent blade is worthy of being its own tool by itself.

For a folder, I recommend waiting for the knives at Big 5 to go on sale, and then take your pick. Big 5 drops their prices to rock bottom when they're trying to move stuff.