I like this idea. I'd buy one.
It would be like a ruggedized Spyderco lockback. I like lockbacks. The only maintenance you need is to blow out the slot, and then it's pretty much foolproof, unlike liner or framelocks, which seem to develop a nasty habit of either slipping or overengaging. That can't be fixed in the field... or at home, either, for that matter.
I would add a few things.
- A version with < 3" blade length but a full-size handle. There are a lot of states with 3.0" to 3.5" length limits, unfortunately.
- A deep and aggressive front guard. Too many folders have no more than a "speed bump". If I wanted a knife that I had to palm, I'd get a puukko, not a folder.
- I don't mind a thick powder coat on the blade. I've used Greco folders and while not pretty, it certainly didn't rust.
I've had beadblasted 154CM rust on me in a day of carry, much less the pits on the stop and pivot pins of a "tactical hard use folder" I got when I carried it near the ocean for a day. Boats, from your name, I'm sure you have a lot more exposure to marine environments than me (the extent of mine is when I'm on vacation in Hawai'i!), but I seem to have particularly scary sweat.

Clarification: Uncoated 154CM is fine. Uncoated O1/1095/5160/A2 is not so good, like you said, especially because moisture can get stuck in dirty dank places you can't clean and dry in a folder.
-j