Scot, you are getting into the kilt and that's the main thing, Everybody has to start somewhere with what they are going to wear with it, so be proud and wear the kilt with what you want and can afford. As time goes by you maybe able to save a bit and get other accessories. All of us had to start somewhere and probably didn't have the exact right look. As has been said before, we are not part of the military so there are no absolute rules on how you have to wear a kilt. Be proud in wearing it and that's all anyone can ask