I feel your pain, financially, brother.

You want to look your best, first and foremost. I don't think a Black Watch Dress is "flashy" at all. It's not MacLeod, after all. I've played a couple of funerals, and I've worn my MacDuff Red Modern. Why? It's the nicest kilt I have, and it looks really sharp. No one said a word.

I think you work with what you have. I think most folks at funerals are focused on other things, and most of the folks who take notice of you will assume you know what you're doing, including in the area of dress.

But if you feel awkward or uncomfortable, you've got enough on your plate without having to worry about what people think about your kilt. I think a SWK standard Night Stalker or Black Watch or maybe a heavyweight Black Watch would be perfectly fine. I was going to suggest a heavyweight black shadow, but Jerry doesn't seem to have any in stock.