I'm looking to get my first (and probably only, at least for a LONG while) kilt and have essentially narrowed it down to two. My surname is Swan, and I like the Swan tartan:

I know it's from the Affleck slides, it's just as "authentic" as a fashion tartan but has a direct connection to my family name.
Before anyone says to go with a Gunn or MacQueen kilt, I'm not sure that my forbears were associated with either of those clans and family records are few and far between. I know that I could go with either of these clans, but it just doesn't seem proper for me to do so without more solid evidence of their clan affiliation.
The second is the Holyrood Tartan, which I like and which has some significance for me as the last of my Swan ancestors to live in Scotland had a shop in St. James Place in Edinburgh, which is a hop, skip, and a jump away from Holyrood palace (yes, I know the tartan wasn't around when my ancestors were, but it is still a connection to my roots). The benefit and the downside of using the Holyrood tartan are one and the same: it is common. While it is (somewhat) connected to my family heritage, it is a universal tartan and you see it quite frequently. I like to be more original than that, but common tartans are a lot cheaper than those that require a custom weave.
The Swan tartan's pattern is a bit large for a kilt, but I still like the simple trichromatic scheme and the bold blue it uses. It is, however, quite expensive and looked down on by some traditionalists who question its origins.

So, put yourself in my ghillie brogues and let me know what you would do.

Thank you for your advice!