I'd say that it's deinitely fancy dress of the photgrapher's studio rather than something owned by your family. Relatively few people own a Highland outfit in the 1860s and those that did would have been relatively wealthy. This sort of image was becoming increasingly common as a means of individuals referencing where they came from, especially when leaving Scotland for pastures new.
I have had my Mother going through old photos for quite some time now. She has "slowly but surly" sent pounds of them to be scan. Unfortunately we are over 1300 miles apart and I know how swiftly she works. I may have the image next week or by newyears... hehehe. As soon as I have something I will post it up and send you a PM.
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