Welcome to X-Marks. I have a SWK Thrifty, USA Kilts casual and Semi-traditional. I would say the SWK Thrifty may be a little light for the wind off the lakes. I like it and find it good for warm days around town. Both of the USA Kilts are excellent, (well so is the SWK for the price) and I think both would work for you the Semi-trad is a little heavier made to measure fits great. The USA casual is made to a waist measurement as are SWK's Thrify with a generic taper. I think the Poly-Viscus material used by USA is better able to handle abuse than the SWK.

I have seen but not worn the SWK wool kilts and they look good for the price, but for what I understand you are looking for I would recommend Kelly and Rocky at USA Kilts.

If you are looking for multiple buys check out some of the non-tartan kilts such as Freedom Kilts. I don't own a commercial non-tartan, but, I love the one I made using a modified X-Marks pattern.

So many choices so little money.