The best scrapers I've found on SAKs is the file blade like on the Champ and even the little Executive. I've tried to convince myself to buy a pack of those little Firefly fire steels but I'd rather have the toothpick (I use those multiple times a day. When I hike, I always have an additional knife (than my little EDC SAK) and all have proper fire steels with them either in the sheath or pack they reside in. Still...
In my wallet, I carry a couple of untreated cotton balls flattened out in a little tiny zip lock bag and a couple single use generic Neosporin anti-biotic packs along with a couple Band-Aids (habit learned when my kids were little). Also always have a Chapstick in my pocket along with the Executive. An argument I could win with myself is to simply slide a long Firefly into the wallet. I never go anywhere without it. Oh, I also have a little credit card Fresnel lens in there but not for firestarting, for reading tiny print on the ingredient lists at the market.
Of course, in my nearly 70 years, I can't recall a single time where I needed to start an emergency fire but once a boy scout...