I have a funny feeling that after all the numbers have been crunched we will find that the value of Scotland's share of the assets will be almost the same as Scotland's share of the debt. We will just agree that rUK keeps most of the assets and we start off debt free. Of course that negotiation wont start until after a YES vote. It will just be a common sense solution but we wont see much common sense until after the referendum.
Seems like your not far off.