I dont know about the Urban, but I think I know what youre talking about on the UKPK. There was another thread about this started by David Lowry. The UKPK blade tip does seem to not go down below the level of the scales that much. David actually took his apart and ground down the contact point of the blade tang and knife spine to get his to sit lower (sorry, you'll need to do your own search). I need to do that to mine since I can just barely get a fingernail on it - close to being exposed too much - of course, I tweaked the tip on mine a bit so its worse than it was when I got it.
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