I've also had that concern, mostly during the hot summers. I've lately thought that getting a soft cotton lining sewn in that was most of the length of the inner apron would help a lot (and would serve the purpose of something like a long shirt). Perhaps also in the back, sewn only as far as the hips in order to keep the pleats swinging freely, but still falling down enough to cover the backs of the legs from itchiness. This may be what others are already talking about, but that's what I was thinking of having done the next time I think about ordering a kilt.