Good points raised by everyone. I should also point out that those of us who sell these items still have to save up for our own purchases as well. You would be surprised at how little mark-up there is on some accessories!

Like many things, wearing a kilt and it's related accessories is as expensive or inexpensive as you want it to be. It depends on your individual tastes, how and where you intend to wear it, and also your means. Though any desired purchase becomes affordable if you save long enough for it. I think in this age of instant gratification, it's sometimes nice to save for something as you will cherish it more in the long run.