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I carry a Spyderco UKPK whenever im in the city for an extended period of time. Though it is only a blade its a decent coice
Spyderco UKPK is specifically designed for you: [link]
Some of the top knife manufacturers have a knife just for the UK, like spyderco.
Check out this list from Everyday Carry. The Spyderco UKPK is a good option specifically designed for this kind of use- good looking, non-intimidating, and won’t break the bank for about 60 bucks.