Hi Bren,
I'm a native Scot with that sort of dilemma. I got my first adult kilt when I was in my late teens. Due to cost, I was restricted to ex-hire and got a Mackenzie kilt, a black barathea Braemar, a lovat green tweed Braemar, and all the accessories for £200. I still wear the tweed Braemar, it is of very high quality and despite being "ex-hire" it had never been hired out and was new when I got it. I still wear the kilt too, you can see it in my avatar. Obviously, being ex-hire, my choice of tartans was restricted, so I got what I got.
My second kilt (Macpherson) was chosen because I liked it, at that time being unhappy about the whole Home thing (read on!) At that time, the whole family association thing didn't bother me much, but I find that it has started to do so as I get older.
So what to do...
My paternal family name is Scottish, and traceable back to 1176, but it is a small borders family and so has no tartan of its own. It is allegedly a sept of Clan Home, but I don't put much weight on the sept association and dislike the aesthetics of the tartan. Furthermore for personal reasons I'd rather honour my mother's side than my father's, so for me, Home is ruled out.
My maternal name is also Scottish, from Aberdeenshire this time, but 'lowland' in origin, so again no tartan. It is a sept of Clan MacDonald, which has an attractive tartan, but again for me, the sept association would be trumped by direct lineage.
Going a generation back, my paternal grandmother's name is again Scottish, but this time a small family from Galloway with no tartan.
My maternal grandmother's real family name is unknown for *ahem* reasons we need not go in to, so no tartan there.
So we go back a further generation, and my mother's father's mother was a Johnstone, (which traditionally on that side of my family is said to be the tartan we should wear) and here we have a tartan that I like!
So, my next kilt will be a Weathered Johnstone, which I find aesthetically pleasing, and it honours my dear mother's side of the family.
So as you can see, sometimes it is not so straighforward for Scots, even those with entirely Scottish ancestry. Some may say that's because I'm genetically mostly a lowlander, not a highlander, but I'm a Scot either way so you'd better not try to tell me I shouldn't wear a kilt!

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