Alan, others have seen that your question is really a two-parter:
1) Do you go to black and white tie events , and
2) Do you get really dressed up in your kilt?

Like JSFMcL, I don't do as much of that sort of thing as I used to, but I wear (Saxon) white tie once or twice a year. It is definitely worth having your own, just to avoid the cheesy rental shirts. We are really talking about one more coat and a good wing-collar shirt, along with the white tie and vest. The trousers are your regular tux pants.

My black tie participation varies greatly. In my neck of the woods, plenty of weddings are black tie, or at least held at the time when black tie would be appropriate. Again, I don't do as much of that as I once did, being in that trough between your own friends having fancy weddings and your own friends' CHILDREN having fancy weddings.

I can't remember being much more frustrated than when I had to rent nasty made-up "formal wear" to match other groomsmen in a couple of weddings. There is something very sensible about a groom who says "We will all wear our own tuxes."

But I have rambled on and risked missing out on this very important point. As brother McLean already implied, the answer is HAVE YOUR OWN BLACK TIE FUNCTION. If you want to go to black tie parties, host one and see what happens next.

As for kilted black tie, my local group of miscreants have two events, around St Andrew's day. They bracket what we sometimes call Dress Up and Drink week. Monday is our Annual Meeting, which is black tie and stag. Saturday is our Tartan Brawl, which is black tie ( and not stag .) In the days between, several unrelated (Non- Scots) organizations have parties that also happen to be black tie. It is a rough week for the liver.