I've wondered about this too and have decided to go with the thoughts of those that have been wearing the kilt longer than I. However, I came up with a solution that gives Me the best of both worlds.

I took an old, smooth, black leather belt and cut it in the center of the back. Doing some careful measurements I removed enough of the leather to make room for the sporran and two short lengths of chain, about 6 inches per side as I remember, attached to the belt with D-rings. It looks very much like some of the "belted kilt chains" but the belt comes around the hips by several inches and eliminates that friction point. This way the chain lays over the flat part of the apron and belly where there is little to no movement.

While I wouldn't wear it for full dress formal, it works well for day wear and looks good enough to be worn semi-formal.

Just and idea.

Mike