Just a lot of noise.
The UK is in a debt trap. UK finances are awful, Scotland's finances are awful, the current lifestyle of the entire island is being subsidised by unborn generations productivity via the Bank of England and private bondholders.
The affordability of free prescriptions is absolutely nothing in comparison to the pensions crisis coming.
The arguments about being able to afford free tuition and other perks or not are just noise. Totally irrelevant to the question of independence which is solely a matter of where power lies.