This whole discussion leads to the question: what good is the kilt belt doing?

If it's not meant to be worn through the belt loops, then it's not holding up the kilt. And I think most people agree that a kilt shouldn't need holding up in the first place if it's fitted/tapered properly to the natural waist and hips.

So the belt isn't supporting the kilt at all. For most people, it's not supporting a dirk or other accoutrements either. If wearing a sporran with its own belt or chain, the kilt belt is not supporting the sporran. What good is it? Decoration only?