My wife carries a Kershaw Scallion, same one she has carried everyday since 2008.
I've replaced, I dunno, four torsion springs, I think. I tune up the edge for her about once every 3 or 4 months. Usually while she's taking a bath, I clean, oil, and sharpen it (she loves when I do that, she once told a friend without any sarcasm that it was her favorite "romantic" thing that I do for her...).
She also carries an impact tool and pepper spray.
My good friend who runs a lot on the water front here in Chicago, carries a Utilihak (Hide-A-Way Knife), that I gave her. It's cord-wrapped up to fit her small(er) hands, and she carries it clipped to the waistband of her running shorts or if she's running with a water bottle, clipped to the cover the waterbottle. She likes it quite a bit and when I gave it to her we ran through several basic moves and drawstrokes.
Unfortunately, I haven't dealt with HAK since their very serious issues of delivering blades occurred. But one can order a Talon knife (
https://www.amazon.com/Talon-Tactica.../dp/B00DQC7JBC) for less than a HAK and frankly, you're dealing with a highly similar tool (though you may need to dehorn the little hook on the bottom).
You guys know I'm not a big "finger hole" knife fan, but in the case of the Talon/HAK I make my lone exception. The way in which the knives loop over two fingers and are held in the hand, it would be almost impossible for someone to strip them off of your hand (without that person getting cut the fuck up, at least), and deglove you. It is possible, but not as possible as a single hole knife. They also punch extremely well in the hand and the shape of the blades makes concealment a breeze.