Read your long post, odd. Thanks for your anecdotes about working with the HoL, but I'm not such a fan of having an unelected second chamber when donations buy peerages and hereditary peers still sit. Or of the Lords Spiritual. Why on earth should only one religion - or any religion - should be represented here? The only countries in the world designating seats to religions clerics are the UK and Iran.
I'm not quite sure why you think MPs from Scotland should "immediately lose their voice at Westminster". There would be quite some time between the referendum and independence, and beyond the negotiations other political business would, of course, go on. How could it be seen as legitimate to offer no democratic representation to Scottish constituents on all other matters until 2016 (at least)? But then there used to be 59 MPs representing Scotland, and previously 72. The numbers were cut to compensate for the representation offered by the SP, but I am not sure why devolving certain domestic powers meant that Scotland should have a quieter voice when it came to issues impacting the whole of the UK. If that was supposed to be an answer to the West Lothian question then it was a very poor answer.
"The EU will be a distant pipedream as well as all the benefits it brings." Opinions vary, but I think this is pretty unlikely. But even a no vote could see Scotland removed from the EU, if Cameron's government and UKIP get their way. An in/out referendum, which Scottish voters would have next to no impact on. Simple numbers game.
And as for the notion that if "we hate the coalition government we can vote them out in the next election". We can't. The whole point is that we can't. The whole of Scotland could return four millions votes, each one for Labour, and it would still have no impact on the UK general election if rUK voted strongly for the Conservatives/coalition.
The idea that Scotland has an impact on the future direction of the UK is enormously optimistic. Earlier in this thread, when I explained that I was tired of my vote having no impact on general elections, that I was tired of voting for a party which doesn't represent my political needs or values but seems the 'lesser of two evils', I was told that I could 'always vote Lib Dem or Green' if I didn't like it! Vote Lib Dem or Green from a Scottish constituency in a FPTP system! Is that the best you can offer me? You're asking me to hold my breath, cross my fingers and hope - simply hope - that swing voters in England decide to vote differently.
I understand that some people will privilege (perceived) personal financial security over greater democratic representation. But I have an honest question for those who do - which of your existing democratic rights would you give up for the promise of greater stability?
If you could be ensured 25 years of economic certainty in exchange for your vote - would you take it? And would you believe the government who offered you that?