Sorry I'm a bit late to this one but I have an opinion on the matter.

My father's mother was a Shaw. A nice kilt inbthe Shaw Modern tartan is on my wishlist. My father's father's kin are called Colbert, from Galloway and of Norman stock. We also have Merritt , Eddings, Crumb, and MacKay blood. I would wear any tartan associated with these families or regions of occupancy/origin.

I feel no qualms about people wearing universal or clan tartans. History is on the side of that position. The notion of "clan" tartans is part of the romantic mythology of Scottish culture, particularly during the Victorian period.

No offense intended but facts are facts and no amount of romantic frollicking and fannying about will change that. Sorry.

I do prefer the look of darker and richer tartans (blues, greens, muted colours, et cetera) over bright ones (wouldn't ever wear Loud MacLeod, for example) but to each their own.
:-)

Kilts are for men, though...not ladies.