I recently (coming on two months ago) purchased a BK11 which I very often chose to neck carry when I am out and about. I can't say I EDC it, but when I walk out the door, it is coming with me nine times out of ten... even if I don't intend to wear it for one reason or another.
Living in TX this time of year, 99% of the time I am in little more than a loose, lightweight, printed t-shirt. In the car, I have it out for reasons of comfort and when I get out, it gets stuffed down the shirt with none are the wiser.
When the wind is whipping, I'm sure I have a bit of printing going on; however, I figure any serious confrontation about the knife will take place indoors in a place of business where it is unlikely to be noticed under shirt. Even if it were, the knife is perfectly legal in the state and if it's going to cause a big fuss I'll just leave, never to return.
The BK11 is a tad on the large side of neck knives, it seems. For me, at the length of chain I have it on, it is only ever uncomfortable for me if I am sitting down, slouching.