The main point about independence is the ability to borrow money and set our own budget.
On the point about borrowing money, Scotland would have to pay higher interest rates when borrowing money than the UK does.
On the point about setting our own budget, as the plan is to have a currency union with the rUK, we wouldn't be able to set our own budget anyway. It would be controlled by the rUK.
In summary, we wouldn't actually be independent!
65% of our exports are to the rUK. 19% to the EU. Being in a single market with the rUK is far more important than being in a single market with the EU!
Becoming independent would create uncertainty which would reduce investment into Scotland thereby reducing economic growth... a bit like what is happening with Brexit.
Scottish Independence = Brexit.... only on a much grander and catastrophic scale.