I'm sure you will get better replies from more experienced kilters than I. But there are tartans that are considered Universal. Black Watch, Royal Stewart are just a couple.

The prices can vary on Kilts. Some tartans are rare (not as popular) so they will be more expensive or longer wait when ordered. Another price factor is type of fabric, and the weight of the fabric. Tartans come in wool, polyviscose, acrylic, cotton, polyester or blends of the above. Remember the cheaper fabric will not look as nice, feel as good, or stay as nice as the more expensive fabrics. There is also many kilt makers that make a casual kilt that uses larger pleats and therefore less material used. Workmanship is another way to cut costs. Machine kilted as opposed to hand stitched. The workmanship will determine if you like the kilt for long or if it will fall apart.

A good kilt is worth saving for because it can last a lifetime. But if you feel the need to wear one now you need to decide what is important to you in your kilt.

You have come to the right place. The people on this forum is very knowledgeable and helpful. Welcome.