I still think it's unlikely but the closer we get to the referendum the more I start to think it isn't as unlikely as it was 6 months ago, mostly down to the cack-handed way BT have handled their side of the campaign, and that it won't be a freak if it is "Yes.". Many of the things the YES campaign are saying are not unreasonable and should be acknowledged as such, not dismissed out of hand. That charge could be levelled at the YES campaign, too, but I'm talking about perception here, and the effect of that perception. BT really should have taken on board the Scots' truculence when it seems to them they're being told what to do (and I think Munro's memo may have a similar effect with his employees) and that seems to be missing from their approach. I'm not sure if that's because it's being run by people unfamiliar with Scotland and its "mindset" or if it's because it's a coalition put together by Satan (only my opinion but a Labour & Conservative coalition? Really?) but it hasn't struck a chord with the don't knows and convincing them one way or the other is the match winner.
You're right, there will be problems if we vote Yes, and they will take time to resolve, but they're not insurmountable, it's happened many times before and will happen again in the future. I think 2016 is a good start date but it doesn't have to be the finish date if you see what I mean. That's when the process begins, how long it takes is for better minds than mine to work out.