Well, if that's the case, then I think you suggestion is a really good one. Making it non-obvious to the casual viewer means it might be good for urban EDC too. I'm not sure about the cross piece (just from a comfort standpoint, but you could used a couple feet of paracord with a breakaway, maybe a small safety pin to go with the spiderwire holding together the flame kit too. I can see a problem with trying to conceal certain items and the TSA though. :-)
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Experience is a hard teacher because she gives the test first, the lesson afterwards.