No doubt you'll get a lot of opinions here. Far and away, the most utilitarian and practical knife I own is the SOG Blink, a.k.a., the "money clip" knife. Here's why, in no particular order: It deploys like lightening with a thumb stud. The blade play is easily adjustable with a torx driver. It's flat, and hence very convenient for pocket carry. And yes, when I happen to have a few bucks in my pocket, I use it as a money clip. It holds an edge. It's very sturdy. It costs about 30 bucks, so if I lose it, I'll not beat myself up over it for more than a few days. If you want sexy, it has optional finishes.
The Blink has but one drawback: it does not do well in the sand and dirt. There are one or two detents and tiny steel balls inside, so I frequently clean my knife with dental floss or compressed air.
Best of all, this knife is equally at home in the pocket of my work pants when I'm on the job, or in the pocket of my slacks when I'm out for a night on the town. I've used mine anywhere from opening Christmas presents to gutting out a whitetail.