I know some people don't like them, but I think spats are great. I wear them when I dress up in trousers, because they look good and keep the dirt out of low top shoes when I wear them (I usually wear boots). When I have to wear low top shoes during the day (not dressed up) while kilted I've worn WWII era leggings.

The spats you usually see on pipers aren't the same as regular ankle spats, obviously. In general they cover more of the shoe and rise up the back of the calf, though I've seen ones with straight tops. For what you need, though, the higher rise of either over ankle spats would be just right.

My suggestion would be to either seek out grey ones or dye them. White is usally dressier.