You are quite correct that "normally" if one wears a waistcoat then one does not wear a kilt belt. However I can think of one very traditional Laird who commonly wears a kilt belt over his waistcoat with day wear. One also needs to remember that with some forms of evening(dress) jackets the belt is worn either over the waistcoat, or jacket itself depending on cut and style. In this mode I think that the belt is really considered as a dirk belt. As dirks are rarely carried these days one could argue that the belt could be dispensed with. Nevertheless, there are certain dress jackets where the belt is an effective addition.
In passing, it is traditional to wear a "prong" style belt buckle on the kilt belt for daywear and a "plate" style buckle for evening wear. I know some of our trans-Atlantic friends may cough a bit at that, but traditionaly that is how it is done.
" Rules are for the guidance of wise men and the adherence of idle minds and minor tyrants". Field Marshal Lord Slim.
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