For me, I find the Umnumzaan tanto the perfect knife as far as blade geometry/utility. However, the Inkosi micarta feels better, and more robust in the hand. The Inkosi is most definitely tougher than the Umnumzaan. I've used both extensively. Never purchased a Sebenza as they never felt up to par with the other two🤷♂️
I absolutely get your perspective, I love the Umnumzaan, overall it seems like the Inkosi is a better EDC knife but not necessarily a better knife overall.