Well, let me say that on my S&M Heritage jack, the blade is 2-7/8" from bolster to tip and the knife is 3-3/4" closed.
This copperhead's blade is 3" from tip to bolster and the knife closed is 3-7/8".
So, I submit that a 3" blade in a 3-3/4" frame will look fine. I don't think it would look out of place in a 4" frame because this knife is 4" closed with a single 2-7/8" blade (again measured from bolster to tip).
My question is "What's the deal?" I understand that the knives I'm showing are not congress jacks. No wonder, because I don't have one. I think I may have been one of the folks mentioning the 3" as I know that is the maximum legal concealed carry in Louisiana and several other states and some foreign countries. It was thrown out for information. Do I own folders with blades longer than 3"? Yes. Would a 3-3/16" or 3-1/4" main blade keep me from buying a forum knife? No way, but it might deter some folks. I'm in no matter what happens. I think a 3-5/8" closed to 3-7/8" closed is a great size and bigger than I usually carry and a 3" blade seems to be appropriate in the knives I already own in that size range.
Ed J