I've made two kilts pleated to the stripe and happy with the results. It seems like it's a lot easier to pleat to the stripe, with this kilt, 19 1/2" at the hips so 26 pleats at 3/4" each no problem, but I'd rather pleat to the sett for this one, I think i have it figured out here are some pictures.

The tartan is MacGregor modern with a 5 3/4" sett, I prefer to see more red therefore the pleating to the sett. My question is, the green stripe in the middle with the white stripe is 1" wide which would mean the other pleats, to make one sett, would be .95 inches, is that okay? Also 5 3/4" doesn't go evenly into 19 1/2" so pleating to the sett means I'm going to be short or long by 1/4" to 1/3", it doesn't seem like much but is that right or is there a better way, thanks for any help.