I have my EDC clipped to the top of my RF pocket along the seam. I also carry my wallet there, the two don't really interfere with each other.
I used to have my keys in there too, but it was just to much junk crammed into one pocket and wasn't comfortable. I never really worried about the knife getting scratched or anything, after all it is a user. Coins can be a problem though, they can get caught in between the blade and scales, or otherwise foul up the operation of the knife.
Space Pen Bullet, Chapstick, and lighter(even though I don't smoke), and Surefire E2e go in my LF pocket. Keys clipped on a caribinner to a belt loop and hang down into my back pocket. I recently bought a slipjoint and carry it alone in a back pocket of its own. Don't know how long I will keep that up though, only time will tell.