I have worn a chain strap with my kilt for over 20 years - and not had any issues with wear and tear.

About 5 years ago I swapped out the standard chains for chainmail. These are very smooth, they were intended as mens bracelets and I wore them as such to test for "snagging" - if they don't pluck the hairs on my wrists (they didn't) highly unlikely they will do so with my kilt. I like the look as they are much more substantial looking chains than the original. Made to length you can customise to your size.

I am planning to make up another set for a new sporran.

Another option might be to go with a pair of sporran hangers - generally a low cost alternative to a sporran belt.