I think you're doing it right.
The belt shouldn't be worn with a vest, and is otherwise always optional at most. Sweaters go outside the kilt and the belt unless you're trying to be fashionable (normally spelled w-e-i-r-d).
Your choice as described is basically a good one.
Notice how my dog admires my fashion sense. 
Rev'd Father Bill White: Mostly retired Parish Priest & former Elementary Headmaster. Lover of God, dogs, most people, joy, tradition, humour & clarity. Legion Padre, theologian, teacher, philosopher, linguist, encourager of hearts & souls & a firm believer in dignity, decency, & duty. A proud Canadian Sinclair with solid Welsh and other heritage.
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