I do see your point on the karambit, but I would much rather have a faster more durable edged-weapon, the karambit gives me this.. But everyone is different.. I like a weapon that is easy to hold on to even if I somewhat loose my grip. The fact that I can punch with it or hold it by the ring alone gives me the reach that you say I would lack..
I guess it's all relative. My brother has a Spyderco Kerambit and it's a great blade (and sharp as hell). I think it would be *decent* at daily chores but having a shorter blade it would be a shame to dull it.
Truthfully whatever someone picks they should feel comfortable with (and hopefully a little training). They should prob have a keychain knife to use for most cutting chores so their SD blade (if that's why you want it) stays hair-popping sharp. The Spyderco Cricket and Spin are great options for the coin pocket in your jeans.