The bad thing about gargish cloth armor is that they start at 0% to craft (like smith items) instead of 50% (like nearly all other non-smith-crafted items). To get to 40% with talisman, using a +30% talisman, would mean getting to 95 Skill (1 skill point advancement = 2% skill advancement.
This makes the kilt the equivalent difficulty as if it was 115 skill to make, had it started at 50% like everything else. The question then becomes whether you lose too much cloth, even with the talisman, than sticking with oil cloth for a longer time. If anyone wants to test this, it would be interesting to see the results (anyone got a 25% to 30% talisman to copy over to TC?) - the baselines would be kilts without talisman, kilts with talisman, and oil cloth without talisman, from 95 to 100, then 100 to 105.