If the kilt is to be made of wool, think carefully
about where the hooks will be snagging. It
helps a lot to use canvas on the inside of the
waistband, and on the outside of the waistband
of the under apron. You still have to be
careful, and be sure to store the kilt with
the velcro "closed."

If you are using velcro for both ends (rather
than a buckle for the right "outside" end, you
will need to leave some of the velcro showing
back from the under apron to be able to
pull it tighter when needed (without having
the end of the outer apron sticking out).
If you use hooks on this part of the under
apron, your sweaters will be snagging on it.

The same sort of thing happens to your
snaggable shirt tails at the end of the
under apron, if the hooks are on the
outer apron.

To solve these problems, on the under
apron use hooks to the left of your
belly button, and loops on right of your
belly button. Of course the opposite
for the outer apron. You don't need
to cover the entire length of both
aprons.

With the velcro split like this, the ends
of each apron will have hooks, and need
only have enough velcro to grab securely.
Loops may be more generous, and extend
as far as any possible position the hooks
may reach.