I think perhaps a lot of Scots are too hung up on what is proper and what is not rather than concentrating on what is comfortable and practical. Personally I'd go for comfort over "correctness" any day if such a thing really exists. I also think it tends to be forgotten that today's kilts originated from everyday wear and are relatively modern (in Scottish heritage) terms. I was certainly brought up to believe that you either wore a tartan related to a family name, as I do, my mother being of Anderson descent, or else wore a neutral colour as my father who was born in England, but brought up in the wilds of Argyll, did.
Personally I have just ordered a PV off the peg kilt in Royal Stewart (very limited tartan selection) as much out of curiosity as anything else. I have a casual kilt but it is a bit too good for some outdoor work so a really casual one is what I'm after. I don't know when it is going to arrive because I paid extra to have the length altered, which I was told was possible for a £10 fee if I was not in a hurry. It is still quite a large percentage on the original eBay price of £22.99, but for that money, who is going to argue. If it turns out to be everyday wearable, I'll probably follow it with one in Black Watch, which won't show the dirt so much!