The Checkered/Diced Tie

[McMurdo]

People wear it with t-shirts?

A Ghillie Shirt is a Renaissance-style shirt made in recent times, not a t-shirt.

I've seen it done, and we would disagree on what a ghillie shirt is. Nonetheless I find a fly plaid completely over the top and for the most part unnecessary even when paired with a jacket. The only time it's close to acceptable is perhaps when one is getting married, but even then it's best left in the wardrobe, better still left in the shop in the first place.