the only hose that I would not wear unless being part of a pipe band would be white. White is the colour of pipe bands and rental outfits definitely not for those in the know. Cream hose or ecru imho is perfectly acceptable. However I defer to more learned friends on here who would tell you otherwise.
the most important thing is that you feel comfortable wearing the kilt. If you feel comfortable then you will portray the image of having worn it since the cradle.
I agree that perhaps the most useful Jacket you can own would be the Argyll it works with formal and informal occasions.
Dont get too hung up on what goes with what, everyones eyes will be on the kilt anyway. Only other learned kilties will know the difference.
regards