I have no dog in this fight, not being English, Scottish, or even Texan.
So I can look at it as a disinterested outside. Just think of me as Mr. Spock.
I gather some people have sentimental feelings on this subject that I am not in a position to appreciate.
Still, facts are facts. Scotland these days has a rather backward economy, huge welfare liabilities, and no public interest in fixing either problem. They have been sponging off the British economy for decades. They are actively opposed to foreign investment, industrial development, and even oil exploration. They are choked by rules and regulations and they seem to want more. In other words, unless the population is changed (the situation does seem that bad) , independence seems likely to put the country into an economic and social death spiral worse than it already is.
From where I sit as an independent and neutral analyst, an independent Scotland is an extremely high risk investment.
I agree with what you say, except the subsidy myth is just that: a myth.
We are 8.3% of the UK, give 9.9% towards the UK economy, and get 9.3% back. I am a staunch NO voter, and even I have to call out this myth.