You have to also remember that with a good quality kilt, you are not going to replace it in a few years like is often done with other garments. This is a life long investment as a well made kilt can still be worn throughout your life and longer.

Up front cost is a factor, but as others have said, save for it. Once you get the kilt, you may well find other excuses to wear it, even if the excuse is "you felt like it."