Knives worn around the neck do not always need to be inside the shirt. If worn inside, the tip of the sheath should be just barely out of sight. This would allow you to grab the tip, lift out, and slid your hand down the sheath to withdraw the blade. The time it takes to do this is not very long and unless you are surprised by an assault, there should be plenty of time. When a knife is needed to just cut something, I usually have the neck knife out and am cutting by the time someone else is getting theirs open. I don't think that neck knives are for every one. The pocket clip, the blade hole, liner locks, rollin locks, and others types of knives have filled about every need for a knife that I can think of. A person's occupation or needs will determine the type of knife and the carry that is best for them. I personally will use the neck knife untill it starts to dull before I switch to the pocket knife. Ray Kirk Raker Knives