I have carried my 50/50 Spydercard in my wallet for some time. It works well as a back up knife and does not upset people. However the grind, low end steel and glass bead finish are not to my taste.
If I was to make some changes... better steel 8a as a starter, pref VG-10. However the need to keep the cost down is understood. One important change would be a dark grey or black Teflon coating rather than rust magnet glass bead.