Unless I am wearing a waistcoat, I always wera a belt. I've never thought of a belt as being uncomfoartable; I just like to have on a belt. IN the Southern US, it's often too hot for a waistcoat, so I'm usually belted.

For day wear, my belt is brown pebble grain with a brass plate--currently with a USMC eagle, globe, and anchor--but I am going to purchase a plain brown from Cavscout soon. (Been planning that for a while, but this time I really mean it!)

I just don't care for the look without a belt. The top of the kilt looks somehow "unfinished" without the leather, but that's strictly a matter of personal taste.
And, I must say, that if I am outside for an extended period, I often hang things on the belt--a small pouch or a cell phone, or better yet, a flask.

A pretty good belt can be purchased at a very low price if you are willing to look, but a good bottle of whisky is always a good investment.