A good question to ask the knifemakers or manufacturers that use screws I imagine. I'm sure most will tell you that there is less benefit to you taking your knife apart than to have a hardened screw. I would also imagine that many would rather stick to what is cheap and available off of the shelf.
Now, how many items are engineered to be taken apart in the same fashion you want to take down your knife? Most things, when screwed together are meant to be a semi-permanent assembly without regard to your need to constantly take them apart..Those that aren't use different ways of fastening..such as clips and clamps.
The cost of maintaining your folding knife is being paid in the occasional replacement of some fasteners here..The more you feel like you have to clean it, the higher the cost.
This is going to be a high number, but let's say you budget for one cleaning a year for your Inkosi. The cost of the screw kit including the wrench(s) is $12.00 (plus shipping- but the total cost won't be this high or shouldn't ever be this high).
12/365= ~.03
This is going to be ~.05 on a 21, but you get the idea- Pretty cheap IF you replace the whole fastener kit which is overkill and beyond.
If you find that you need to take down your folder and this cost is too high, I am going to postulate that you are carrying the wrong tool. Perhaps a fixed blade is in order.