Not trying to argue just want to convey my thoughts. For me I think having the saw is worth it as you never really know when you are going to need it. Some might need it more often in a urban situation and some might never use it, but even having it in that one situation where it saves the day is reason enough to carry it in my opinion. That is the whole philosophy behind carrying a SAK isn't it? Being prepared for situations you do every day as well as the ones you do not expect. This is just my opinion and everyones need and wants are different and are fine in there own rights. Just the fact of having any SAK on you tells me you are thinking ahead.
I have to disagree with you on the saw being better on the OHT. SAK saws rule all in the knife/MT world. Again this is just my opinion, but in my experience the majority rules on that one.
Either way you cant go wrong between the Pioneer or Farmer. Both are excellent knives. Now thats a fact.