My general rule of thumb is if going out then everything is tucked in.
Relaxing at home sans belt and sporran then shirt is likely to be pulled out.
No hard and fast rule setting here though, what works best for the individual and makes them look and feel good is fine. 
[B][COLOR="Red"][SIZE="1"]Reverend Earl Trefor the Sublunary of Kesslington under Ox, Venerable Lord Trefor the Unhyphenated of Much Bottom, Sir Trefor the Corpulent of Leighton in the Bucket, Viscount Mcclef the Portable of Kirkby Overblow.
Cymru, Yr Alban, Iwerddon, Cernyw, Ynys Manau a Lydaw am byth! Yng Nghiltiau Ynghyd!
(Wales, Scotland, Ireland, Cornwall, Isle of Man and Brittany forever - united in the Kilts!)[/SIZE][/COLOR][/B]
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