Wearing Irish Sweaters wtih Kilts, Belt or no belt?

[Stoff]

I don't know about of the rest of you but I almost need to wear a belt of some sort, due to all the things that hang from my belt every time I leave the house. I have the phone in a belt case on one side then there is the multi-tool and belt ring to hang my keys from. Unlike some people I need all my keys every day. As for the phone, yes it is a modern smart phone, and it is absolutely needed every day as well. The multi-tool, not so much, but every time I have left the house without it I have regretted it. It would require a huge sporran to carry all of that plus wallet, business card case, and change purse as well. So, yes I wear a belt, but not necessarily on top, I have no problem with the belt and belt stuff being concealed under my sweater or jacket.

Just my two cents worth.

Stoff