My Rainbow Leek came with the tip-down clip, but it has screw holes so I can reverse it if I want. And you don't have to worry about it opening accidentally. There's a lock near the tip that prevents the blade from opening, and it's adjustable in case it ever loosens. From what I understand, the Axis lock is one of the most secure locks, so you may want to consider a Benchmade with the Axis lock. As much as I hate the idea of using liner locks in a fighting knife, I have to admit that the framelock on my Leek is as strong as anything I've seen. (Not as it is when it opens, but after I push it the rest of the way into place.) It passes the pressure and spine wack tests without flinching, and I can't see anything other than extreme pressure causing the lock to fail.
That being said, knives are fun to carry around and can be the most useful thing on your person, but I wouldn't want a female friend of mine to rely on one for self-defence unless she's been trained in its use. Too much chance that it would be taken away and used against her. I'd recommend a small can of pepper spray (fits on a keychain, is as small as a knife, has greater range, and is ostensibly a dog repellant), as well as a whistle.
Chris