You can't go wrong with an SWK Standard in BW. The tartan IS universal, and is from a truly legendary military organization.
I second the Nightstalker sporran. Its a good place to start and isn't too expensive. I just ordered a brown economy from them until I can afford either a custom Thorfinn or something else.
Women/girls will fall into one of two camps- love it or hate it. Expect both. Jocks will be rough on you, but others will be supportive.
I started with UKs because I also lack Scots heritage. I still love them and other contemporaries. My first tartan was U.S. Army because of my service. My new tartan is the SWK Weathered McKenzie.
I'm a casual wearer, so hose for me are just socks. I wear mostly boots, so the folded/scrunched look works for me.
Good for you! Be proud and wear it well.