Do finger choils add safety on a folder

[Insipid Moniker]

For me, blade:handle ratio is important, and a choil on a folder always throws the ratio off, so I dismiss them all. I'm not saying knives with choils are bad, just not for me. I do like them on a larger fixed blade though

I don't think you're wrong, but I tend to go the opposite way. I find blade:handle ratio to be nearly meaningless. I want a 4" handle, minimum, on nearly everything, but I can appreciate a nice, compact blade in said handle. I just struggle to use the majority of knives that have less handle than that.