I would never wear my tartan kilts without a sporran. For day/casual wear I usually wear my Black Watch or Buchanan kilt, and do not use any shiny chrome (or shiny leather) accessories. This means my kilt pin, sporran chain and kilt belt buckle are all dull black finish, not chrome. I usually wear brown leather shoes/boots for day wear, so I wear my brown kilt belt and sporran when I have my brown footwear on. I wear pushed-down kilt socks (no flashes) if wearing boots.

I usually wear a T-shirt (tucked in), and sometimes a sweater as well (NOT tucked in, thank you!) or a Levi's-style brown denim jacket. The important thing for me is to have everything look good as a package without looking like some sort of a costume. For me, that rules out puffy "kilt shirts"

I get out the good stuff (shiny chrome kilt pin, belt buckle, sporran chain and good Badger-fur sporran) in the evening or for special events.