From the mouths of babes come the most entertaining statements.

I never get the "what's under the kilt?" from the kids around here, and there are plenty of kids around here.
I do get the skirt question every now and again, and I merely explain "it's a skirt for men." I never make any sort of connection between the kilt and war. In fact, I rarely even discuss the historical significance of the kilt. Ocassionally I liken the kilt to the sarong which is ever so popular here in Hawaii, thanks to the predominant Polynesian culture.

Now, all that being said, I HAVE had to deal with my own 3 year old daughter's curiosity. She's one for action vice words, so it is her lifting my kilt (most recently at the museum we went to on Sunday) that I have to contend with. A soon to be 4 year old doesn't quite grasp the concept of modesty.