Hi Moon...
Before I started wearing a NK I felt the same way.. Even argued the fact with several people who set me straight..
Sure it's not for everyone, and yes there are some risks to wearing one. Cutting yourself,,Strangulation,, Obvious things like this,,but once you have worn it for awhile and are use to drawing/sheathing the blade, you will fast get use to it,, and it will become second nature..
When I'm at work in shorts I often wear my neck rigs, with a variety of different blades,, depends I guess on how I'm feeling that day, or what/where I'm going and doing.
As far as it being heavy around the neck, I guess it depends on which knife you carry around the neck.
My Delica is Very light and doesn't bother me a bit. My SAK RUK is a little heavier, but is tollerable. I really like to wear thet in the woods,, keeps the knife nice and handy...
Once you get use to it,, and it may take time. The proper neck rig also makes it comfortable and handy to use. Wear your blade like a piece of jewelry.. Try it,,you'll get use to it in a hurry...
A nice light folder or small fixed blade is the way to go...
Hope this helped..
ttyle Eric....
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Eric E. Noeldechen
On/Scene Tactical
http://www.mnsi.net/~nbtnoel
Custom,Quality, Concealex Sheaths.
Leading The Way In Synthetic Sheathing.