My wife carries a Spyderco Delica, and I carry a Native for our using knives. They work fine, and are easy to replace if lost.
I also recommend the Benchmade Griptillian with the opening hole and Axis lock as a non-threatening looking knife.
None of these have the open frame feature you mentioned. I notice that the CRKT S-2 is still available in two sizes. This is a great frame-lock knife, with an open frame.
Bear
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No fire, no steel.