I, too, am "fluffy." I am able to wear my kilt at my navel pretty comfortably. My 11-year-old son (who inherited my lousy genes) is built almost just like me, and when he wears his kilt around his navel, he looks like a little old man who hikes his pants up under his armpits. So, he simply wears his below his tummy, around his pants waist.

My point: if you enjoy wearing it and do so with respect, then be comfortable, my good man. No one's going to drum you out of your clan because you don't enjoy being in pain.