Remember folks that what we are talking about here really boils down to personal preference. There is no rule that says, "If you are wearing it as a clan tartan it should be pleated to the sett, if you are wearing it as a military tartan, it should be pleated to the stripe, etc."

I have a friend who wears this tartan as Grant Hunting, because he is a Grant. His father served in the Black Watch and to honor this he chose to have his kilt pleated the same way the Black Watch regiment did.

I know Campbells who wear this tartan as their clan tartan who choose to have it pleated to stripe. Undoubtedly, to the sett is most common.

The way the Argyle & Sutherland Highlanders pleated this tartan was to the stripe, using the black stripe on the green. Contrast this to the way the Black Watch pleated the kilts, which was to the double black stripe on the blue (yes, they had to tweak the pattern a bit to do this because of the size of the sett). This giave the A&S kilts and the BW kilts very different looks from the back. One was mostly green, the other very dark blue.

You are wearing the tartan as a civilian, so you don't have to be concerned with uniform restrictions. You can, of course, have the kilt pleated any way you fancy. I, and others, would be inclined to lean towards pleating to the stripe, as a way to pay homage to the military origins of the tartan. But if you prefer pleating to the sett, go for it.