THANK YOU for the sanity check!
Just wanted to be absolutely sure before putting scissors to fabric. I do have several kilts, but none that were "hand tailored" specifically for me. With so much past reference to the line of the navel by others, I have also heard some state that the top edge should be well above the navel. Your reference to the center of the belt buckle adds a lot of clarity to the issue. One thing is sure, this little exercise has so disgusted me when looking in the mirror, that I will certainly be getting outside for more exercise. Far too much time has been spent sitting here working on my next book!