Where I wear my kilt at the top is secondary to achieving proper height relative to my knees. That said, I have traditional kilts which were made with a traditional 2 inch rise... I guess that puts the top over my naval about an inch or two.

As others have pointed out, traditional kilts are worn at the natural waist and tailored to fit at the wearer's hips then long enough to meet their knee-selvege preference. None traditional kilts will be made for natural or other points of wear. Assuming (not to open the knee placement debate) that each person prefers the bottom at a particular point, then they would wear the top differently based upon the type and style of kilt being worn.

Were I to wear a casual kilt (i do not, but if i did), then i would certainly wear it lower at the top than my traditional kilts. Otherwise the bottom edge would be mid-thigh...and NOBODY wants to see that!!!