You're not alone! I'm about 42" at the naval, and ordered a kilt belt by actual size (As in, I ordered a 42" kilt belt). I was told I needed a 44", to allow for the kilt, and the buckle, and so on. Besides, I was told...It's adjustable. OK. I also ordered a soprran belt, "Same size", plus 4 inches. Again, OK.

Then, they arrived. Thank God the belt was adjustable... At it's larget possible size, it's 51" long. It will shorten to about a 26" however...As long you don't mind it being "double thick".

The sporran belt is another story. At it's larget, it's 54". To make it wearable, I'll have to punch a few extra holes in the belt, and trim the "loose end" down a bit.

Beats me how some manufacturers determine their "sizing".

Hal