I tend to agree with your view, however I too was fed similar stories of imminent prosperity or imminent poverty depending on who you believed on the Euro debate and I suspect the Scottish debate offers something of the same.
I listened to economists, politicians and more economists on how we should join the Euro and with it we would prosper and without it we would go to 'hell in a handcart', its a similar argument perhaps from a slightly different angle.
Your view isnt definitive, there are many that still feel...
I wholly recognise some of the Scots chippiness etc. but I tend to compare the arguments for them NOT to leave as very similar to the arguments put to us why we must join the Euro or the EU.
So in that sense for me, they should make a decision based on what they want rather than what might...