The best solution I found after decades of carrying a knife was a monkey fist lanyard - you tuck the ball end of the lanyard under your belt and let the knife hang suspended in your pocket, either front or rear, not down at the bottom. It keeps your knife out of the way, allowing easy access to coins, cash, handkerchef, comb, whatever, and it feels weightless because it's suspended, rather than dropping to the bottom of your pocket. I use this method with SAKs and even small Busse fixed blade EDC knives. It's comfortable, but the knife is easily accessable with a slightly firm jerk that slips the monkey fist out from under your belt. No metal clips, no rummaging around for a shifting knife, no telltale "print". You can even use lanyards in a variety of colors to blend in inconspicuously with your suits, chinos, or jeans. If your knife doesn't have an attachment point, use a pocket slip or sheath with an attachment.