In a progression we have;
1. Tekna [Security] Credit Card Knife.
2. JSP Credit Card Blade.
3. JSP Credit Card Blade with Clip & Wallet.
4. JSP Omega Series Blade(s) & Wallet.
5. SpyderCard.
6. SOG Access Card.
7. MicroTech Credit Card.
I play pretty even in this Forum, and I say this without prejudice. As a lightning fast self-defense weapon, you get no faster or effective in the genre than #3 & #4. They are fixed blades with carry rigs, one movement if the wallet is in your hand, it is active and alive.
As tools, any of the three "Cards" you mentioned will do well.
The slight edge going to the SpyderCard in the folding department because it has the ability to pierce easier than the others.
As a flat, liner locked carry piece thrown in a jacket pocket, any of the three will do again, with a slight edge going to the SpyderCard for the same reason above.
As a flat, folding knife, it will not print as much, if at all, compared to even very slim, "conventional" folders.
If you are carrying them in your wallet, they are not fast to deploy for defensive use. They then become a Last-Ditch weapon.
I know you are streetwise Smoke, and I know alot of other people are that come in this Forum. In many ways, we are more realistic, pragmatic, and possibly even pessimistic and a touch of paranoid...more than most other people that haunt BladeForums.Com. In other Forums within the Beast.
If anyone is serious about their safety, they should have one of these in their wallet and one somewhere in their jacket, boot, wherever you can hide it and secure it.
Every once in awhile, you hear of someone being tied up and thrown into a closet in their own home, a back room of a store or restaurant...or the trunk of your own car.
Some are going to read that and say..."This guy is a paranoid, freakass..." Well, I intend on being the guy that survives in the end.
If you knew you were in deep feces, and just as you are mulling it over in your head, "Should I try to take this guy's gun from him? Is he going to kill me?" All of the sudden, the lights go out.
You feel like crap, you smell exhaust and wake up in the trunk of your own car. What do you do?
They might have searched you, etc., carry your money in a damned money clip. It is likely they will not search much further if they find that.
What do you do in the trunk of a car?
This is where neat little things like SwissCards, SpyderCards, SOG Access Cards and the MT Card...as well as Photon Lights come in. If you are restrained, cut the restraints. Cut the lights to the back of the car...any you can find.
Sooner or later, some LEO is going to pull them over at night, or because the brake lights or turn signals are not working.
Or, whoever kidnapped you is not going to expect you to be ready to rock with a razor in your hand when they pop the trunk.
These things are not anomalies. They still happen. Buy stuff and stash it in your car, etc...stash it on yourself.
As for the LaGriffe. I think the LaGriffe is about the most effective neck knife that has been created yet. Bar none. I have three of them! If you are wondering about defensive use more than anything else, get the LaGriffe.