EDIT - I slept on this an felt my answer was off the top of my head and was a "plastic" world fix. I have returned to fight the good fight.
Yes, I do not like the spey point above the edge of the frame. As I mention below and as Bert states I think I wrote on this a little in distant past. I have not searched for that thread. At that time I played with the setup and in reality could not really get much of a tip catch on hand or cloth. I think the blades nest together and help each other be pocket friendly. In custom folders a craftsman has the time to carefully fit the shape of the liners, blade well (spring) angle and blade shape. In a production knife less time is taken and a knife receives a 'good enough' tuning. Bert hit the nail on the head with the mention of the tapered design being left as is in the change of ends for the spey and sheepsfoot on the newer 301's.
Likely, (my guess), the toe of the tangs are designed to keep the edge from hitting the bottom of the blade well if the blade is let "slam" closed. I have adjusted a couple of my 301's to fit slightly lower, below or close to below, the top of the side liner edge. I have done this by careful and slow filing of the toe or 'kick' on the tang. But, stop short, keeping the blade edge from impacting the spring if it were to slam closed. The other measures below could be useful but they are 'plastic' fixes. Lowering the blade kick will mean it takes more force to open the blade. My best advice, if you feel this high position is a problem, is to open up all blades and study the spey blade movement. Open and close it watching its action. If you feel you can and want to lower a high tip then alter the kick slowly, not over filing. Or just be happy with the way your knife is. When I carry a 301, or more likely a 303, I usually carry a early eighties version, before the era of three springs and the spey on the old end.
PRE-EDIT POST follows.
As stated, file on the bottom of tang toe (kick) very slowly. You can't go back. Once you get near the bottom don't try for that last 64th. Camillus made some of the old 311s with a nylon insert for the tip of those long blades to bounce off of when they were allowed to free fall into the blade well. You could do the same by putting a drop (and I mean a bb pellet size drop) of silicone chaulk in the blade well where the blade would hit, use toothpick. Or cut a small piece of plastic from some empty household container and glue it on the bottom. Open all the blades for either method, clean area with Q-tip in alcohol, a put very small amount of super glue on the plastic then place in bottom of blade well. You are gluing on top of the spring so don't let is run down sides of spring. You could try some pencil eraser rubber.
Yes the design is poor, it is what it is. Your method is one way, these are another. I went very slowly on the kick to a certain point, then used the silicone method on mine. Again clean with alcohol with get rid of oil. Let drop dry and oil away. Mine is sticking but I am currently not using it in EDC. I played with it holding upside down and right side up till it got firm. In the distant past I have shown the plastic in the 311.
300