Great advice as always guys. Much appreciated!
I just went by my local knife shop and managed to get my hands on the Tuff Lite and the Dragonfly2. In terms of feel, they couldn't be more different. The wharncliffe blade on the Cold Steel is five kinds of sexy, but the handle seemed a bit big and bulky. The scales on the Spyderco were more slim and streamlined (not to mention the increased grip due to the FRN) but the blade's shape isn't my cup of tea. Plus it just felt too small for my hands. Combine the good and subtract the bad and it appears I'll be looking into the Delica wharncliffe. My online source was restocked today, and my local shop is getting their shipment next week.
As to the question about what I find scary or daunting in a blade; well it's more about what would be viewed as a tool where I work, as opposed to a weapon. Wharncliffe or sheepsfoot blades resemble a box cutter sort of implement much more than something like a standard clip point. I meant it literally when I said I wanted a "utility" folder.