Welcome from West Virginia!

I love my UKs and wear them lower. My next purchased kilt will likely be an SWK and I expect bto wear it at the navel. UKs are off the rack (but can be hemmed) and the quality is consistent. For a gentleman of girth, I recommend checking their Scratch & Dent list for one with a floating waistband. I have found UKs sturdy and easy to care for.
Buzz Kidder and Freedom Kilts are HIGHLY recommended on this site. FKs are custom and the service & quality are said to be beyond reproach.
Enjoy the researching, buying, Jonesing & wearing!

Finn