I have two kilts that sit differently and I'm happy about that.

The shorter of the two is the Clan Donald Modern I got as a teenager and as I have grown a little since then, my shirt has been known to peek out a little below my the waistcoat of my Prince Charlie outfit. Not cool.

It's not the end of the world though because I find the lower rise on this kilt looks better with anything tucked in. More of the shirt is visible which corresponds to current fashion.

On the other hand, my brother made my Clanranald Modern kilt in the traditional way more recently and the straps are at my natural waist with a traditional rise putting the top waistband roughly two inches above my navel. This also puts the waistband just 2" below the bottom of my pectoral muscles.

That's a bit high for the current fashion eye of the non-Highland world so when I tuck a golf shirt or t-shirt into it, the look is a little odd to my eyes although probably perfectly correct and traditional. However, when I wear it with any waistcoat or even with a pullover it looks perfect!

Options are good!