I also agree that the two kilts shown are being worn far too low for that style of kilt.

To find your natural waist, feel along the side and find the place just below the ribs where a small indentation will form when bending from side to side. That is where the top buckles should sit. The top edge of the fabric above the buckles will be higher and actually cover the short ribs in the back. In the front the top of the kilt will be above the naval by almost two inches depending on torso length. At the side the buckles will cinch into and sit very naturally just above the "love handles".