I'm divided on the issue of independence. If Scotland wasn't subject to laws from London, that would probably be a good thing. OTOH, I see worrying issues: would Scotland be part of the EU? What currency would it use?
I think the worries about economic impact are valid. I think back to the height of the Quebec separation movement in the 70s and 80s: plenty of companies moved their head offices out of Montreal. The impact of that is still being felt.
What you say is correct, concerning the economic questions especially. Scotland is a socialist-inclined nation with a statist mentality that favours high levels of public spending. Scotland does well out of the Union at present due to subsidies, which would end at independence. Banks and financial institutions have already said they will relocate their businesses south of the border if separation happens. Canada's experience, as you point out, spells a warning. The SNP are banking on North Sea Oil to finance the economy, but that is already a dwindling source.
Scotland is of course a proud nation state with its own laws and criminal justice system, and Scotland is (over) represented at Westminster with its MPs able to influence English law, while English MPs are not able to vote on Scottish law. Scotland can apply to join the EU, and if it does so it can hardly claim to be independent since EU law takes precedence over member states. The irony is the UK is moving inextricably towards leaving the EU, and that would leave Scotland, as an EU member, with fewer powers than it presently has.