A farmer, a man in town, trades man and such mostly would have a folding knife. People who made need a knife in daily work other then routine tools a sailor longshoreman ect might have a belt knife.
What do I mean needed in daily work?
A barrel maker or furniture maker or such type trades had a set of tools that was handy. And his need for a knife was at arms length without having to be in his belt. A sailor had to dance about in the rigging one minute in the hold the next, so needed a strong portable knife, that would call for a belt knife.
A shop keeper or gentleman could use the lighter build of a folder.
Much of a farmers cutting too could be done with a light pocket knife or need a large tool.
Meanwhile Mrs colonial is at the kitchen, or Maybe cookie at the inn or in service of a rich family. They had several knife styles avalible at hand, and didn’t need one on his belt.
In short, men who were on the move and needed a heavier knife had one. Men who were near their work had special knifes handy and personal use was served by a pocket knife where what cutting was done was light.
So….
Any competent black smith could make a knife. And just as today many men were ‘jack of all trades, master of none’ and too could make a passable knife.
That said most men stayed in their own bailiwick. A farmer may help build a house or barn, May repair his wagon, but in general left carpentry to carpenters and iron work to blacksmiths. So home made knife were rare at best.
Most knifes came in from the UK. They were plain and largely the same knife traded for skins a hundred miles to the west
Plain handles, workman like shape.
Fancy daggers and main gauche were made by swordsmiths, and didn’t have a lot of use. I should say they were good at their use but didn’t fit well in to other uses. You could skin a deer with one, just as you could with a 1/2“chisel but it wouldn’t be real handy.
A quick answer would be most men didn’t have belt knifes.
Most belt knifes, even those on the frontier were short working length. So called ‘scalper’ were of more value lifting a hide then lifting a scalp.
For hand to hand combat for a militia man a belt ax was preferred. A militia man’s job, or a solder was to march, set up camp, take down camp, drill and march. Yeah there might be a battle, not very often. Slicing up enemy with a blade was pretty rare, and so were belt sized knifes for them.
We do know of some riflemans knifes, but evidence suggest these were outliers.