I don't own a full-dress ensemble. Most of my kilt wear is "casual". For me that's kilt, day sporran(my only sporran), hose, and a button-down or polo shirt. In cool weather a sweater or sweater vest, and occasionally a tie. Headgear and footwear appropriate to weather and occasion.

For contradancing or hiking I wear athletic hose instead of woolen kilt hose, and omit the sporran.

Essentially, I dress as I would if I were wearing pants -- or maybe one notch nicer, because one does attract attention, and one wants to present the kilt well.

I do think a tartan kilt looks unfinished if worn without some kind of hose, but that's just my opinion.