I think you actually nailed it. When "locks" came out a million years ago I never saw the manufacturers touting their knives to be as strong or durable as a fixed knife. Sure heard a lot of owners and testers do that, though.
I look at locks on a knife like a safety device on a tool. The tool is still dangerous regardless of the safety features it might have. And if a tool was used 100% correctly all the time, and the operator was never working in poor conditions, misjudged a task requirement, was really tired but had to press on to finish a job, never slipped or lost their balance, or had a simple lapse of judgement (things on the mind: truck pmt, house pmt, Dr. pmt/visit, family obligations, other pmts, family challenges, etc.,) while working, you would most likely never need a safety device on a tool.
I learned to use knives 55 years ago when locks weren't prevalent and use my knives the same way today. Always cut away from you. Don't pry with your knife. Don't do anything but cut with your knife. Be careful about binding the blade, and if you do don't try to rock the knife out of the material.