is it ever to hot to wear a kilt especially the heavy

[Tobus]

You could also get a lighter fabric like the PV kilts from Rocky at USA Kilts.

This would solve the issue of being allergic to wool as well, eliminating the need for biker shorts underneath. Win-win.

I just don't want to insult the tradition

I want to be sensitive here, but I think you needn't worry about that. The tradition is for men to wear kilts, not women (except for pipers or other uniforms). So any traditional issues wouldn't really apply to your case. Wear it however you want, or however works best for you.