I don't think this is really that big of a problem. You are jut being reasonable. Call me a heretic if you must, but the kilt is not the best garment for every situation.

If the physical comfort does not outweigh the psychological discomfort, maybe you'd be better off wearing pant in certain situations. I have been full time kilted (not including the job hunt, which requires pants) for months, but when I see my grandparents, I wear pants. OK so it's not a perfect example, as I would wear the kilt despite their disapproval, were it not for the fact that they make my mom pay every time, and she doesn't deserve that. But you get what I'm saying.

And for more practical concerns, you'd be crazy not to weight the pros and cons. Sometimes loose hanging cloth and exposed naughty bits can be a problem.

It's clothing, not a religion.