I wear a purpose made sporran belt with chamfered edges most of the time but I do have a chain for formal dress. I had it made from a heavy 24" sterling silver chain purchased in Mexico when silver was cheap. All of the links are welded shut and polished so that there is no chance of snagging or having the chainsaw effect wear a line across the apron.

If you take your chain and run it back and forth across and old unwanted wool sweater, see if it catches or snags. If it does get rid of it!