I mostly work with the tip of the knife for the more detailed work. Therefore, when using the wharncliffe blade, I can hold the knife straighter than with a clip point where I have to hold the knife more at an angle. But there are downsides. When you want to carve convex things or something in a recessed area, the only contact is the very tip of the blade and you can not cut, only scrape or something.
As long as the knife has one blade with some belly it's okay for me. I hope that made at least some sense.
I'd say get a knife which has one of each. If it is a wharncliffe main with a small pen/clip, or a clip main with a small coping/sheepsfoot doesn't matter too much for me, this is just personal preference (I'm just a sucker for a nice wharncliffe). Pretty much any whittler or stockman will do.
You'll see soon enough what you prefer.
PS: For the coarse work I always use a larger folder (blasphemy, I know) or small fixed blade, since I can make bigger cuts with more force and it is more comfortable.