I personally find if I'm wearing "off the peg" kilts, they sit about 2ish inches above my navel, but I have short legs and a long torso. Having said that, I am ordering a tank from Paul Henry in the next few weeks which will only be an inch or so shorter. I find the support of the kilt on my lower back quite nice, due to the fact that I have back problems, and if that makes my kilt height "old fashioned" I'm ok with that (anything's good with cocktails involved).