I think you're spot-on, mate.

I, personally would not shy away from white hose. After all, you're wearing a white shirt, right? White on top, white below. Personally, I think it looks great, but we all know the incendiary nature of that topic, so 'nuff said.

Flashes? If you don't like tartan flashes, then don't wear them. That was easy! Just get a solid color that coordinates with one of the tartan colors in the kilt.

If you can afford a Prince Charlie coatee and three-button waistcoat, then go that route, but keep in mind that if you're generally-speaking "allergic" to dress-up then that's a lot of money to spend on something you'll not wear very much. On the flip side, they're kind of fun!

I personally LIKE the Eton Jacket, sometimes called a Spencer Jacket. If you team that up with a waistcoat, then **No buckle** and no kilt belt. If you don't team it up with a waistcoat, then you'll need a nice kilt belt and a decent buckle.

The black argyll-style jacket might be a bit more practical, and useable for more than just killer evening wear. Whatever the case, the THREE-button waistcoat goes with the Prince Charlie, the FIVE or SIX button waistcoat goes with the Argyll.

However, please don't wear a four-in-hand tie (your "normal" tie that you see at business meetings) with either of the above. Get a black bow-tie If black doesn't float your boat then get one that's the same color as your flashes, how about that? I happen to wear a fold-down-collar white formal shirt (with studs and cufflinks) just because I grew up wearing them, and a pre-tied bow tie doesn't stand out so badly with one of those. If you wear a wingtip collar shirt, then yeah, might as well get a real bow tie and figure out how to tie it since the part of the tie that goes around your neck is quite prominently displayed in that sort of shirt..

Traditionalists will probably revolt at the idea of a non-black bow tie. I, personally have no problem wearing a tie that's not black.

BTW, you might consider renting the Prince Charlie, but for heavens sake buy the shirt, tie, cufflinks and studs.