Re. splinter removal, and fingernail cleaning, this is another area where SAKs shine. Get one with the Plus scales and you'll have a pin and tweezers; much more useful than a knife point.
In the 58 mm SAKs, they usually have a nail file with a screwdriver tip that is perfect for cleaning under nails. The larger ones, the bottle opener is curved just right for cleaning under nails. Then, they have awls for when puncturing is needed, and there's really no need to abuse the knife blades any more... The spear point blades are sharp enough to start a cut in a bag of fertilizer, for example.