I have never had a problem with the cold in my kilts. Granted I live at a latitude of 35.8 degrees North. (Though it can get rather cold and windy at times in North Carolina USA.) Anyway... my kilt goes right to the knee-cap as it should. To cover my legs I just wear thick socks that go to my knees. They look great with a kilt; very "traditional" looking. I have found that if I can keep my feet, head, and torso warm, I will be fine. Keeping your head warm goes along way to keeping your whole body warm.