I'm a newbie to this thing but I will state this. I have looked at thousands of knives, read the specs on hundreds, and while there are those who say that there is some magic formula for handle to blade ratio, I think you will find that there is a great percentage of awesome blades out there that don't fit that ratio.
Wow, that was a long sentence, sorry.
Start by measuring your closed hand. Get knife that you find comfortable and look at the specs of that handle. Most importantly, instead of saying "I have 12" of steel, what can I make that will use all of it," start with a purpose. Do you want a knife for kitchen duty, and if so, what exactly do you want to do in the kitchen. If you want a camping knife, do you want to chop, carve, whittle, or what? Have a purpose. Do you want to kill zombies, then keep that in mind as you envision what you want.
Look at lots of knives that will fit the bill of what you want to make. You'll find that there are certain designs that just sort of do certain tasks better than others. Don't be afraid to borrow elements from other designs. Always give credit where credit is due but in reality there are only so many ways to make a knife that will do what you want to do.
I like to trace the piece of steel I'm working with onto a piece of paper and then start drawing designs within that tracing. Draw a bunch, you'll probably only make a few but that seems to be the way it goes.
Anyway, enough rambling. We would love to see what you design and ultimately make.
Charlie