I can fully appreciate the more traditional looks mentioned above but in reading between the lines of your post it seems you are going to be uncomfortable if over dressed. And if you go as "Prince Charles" you are definitely going to feel over done. You mention a tie.. well actually you mention that you probably won't wear one, so a jacket and vest are out.
The kilt is incredibly versatile so my personal choice would be to try and match the rest of my attire to what you think the others are wearing. If they are going to wear slacks with a dress shirt tie less, then why not do the same with the kilt? Get yourself a classic button down dress shirt in a good color - I would stay away from white - blue is a classic look. If they are going short sleeve then find a similar shirt in ss.
I am not as well informed as many on this forum are, but I've worn a kilt since I was a wee lad. And when I talk to parents of youngsters and more importantly teens such as yourself, I believe that wearing the kilt needs to be a comfortable experience, a confidence builder. You will be dressed differently, that is for sure, but you don't want to go over the top and make yourself stand out too far. I hope you understand what I mean. Many of us have taken years to develop a kilted style we are comfortable with, and most of us wear it to any and all types of occasions. Your first forays should let you get used to it as well. You will have many years of kilt wearing ahead of you to move up into more traditional styles.
Others here will give you good advice as well, you will need to decide for yourself what will work best. And of course once you do, post some photos!

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