I am in NO way giving advice here--I'm the last guy to give fashion advice to another adult, just check my avatar
If I'm wearing a tie with a kilt, something special is going on and I just want to look good for my wife. Her's is the opinion I'm most concerned about. That said, I almost never wear a tie and kilt without a waistcoat and jacket, so I do wear a matching tartan tie on occasion. I'm also more likely to wear a three-piece suit when wearing a suit--so maybe I'm on the side of the "the vest breaks up the tartan" brigade here.
I have worn a tie that matches my tartan many times and always found that it looks better when I wear a vest/waistcoat than when I don't. I guess the vest just breaks thing up a bit.
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