So, the OP and BJ want Scottish independence. Were will Scotland get its money from after it becomes independent. :-/
I will ignore the BNP lite comment - apart from the fact it is stupid beyond description,I would imagine it was worded as such to start yet another argument. 
SNP are way beyond seeking independence, we have devolution which will do for now, until a referendum when the times right - i always find it odd that so many down south care whether scotland is part of the UK or not - what are you worried about if we're such a drain on the economy surely England would be better off without us? 
full independence will happen when the tories get a majority government in westminister again, we havent voted for the tories in any great number since the 50's 
I note that you havent attempted to answer the question, but never mind.

Why have independence when the time is right ? that sounds like a cop out to me

If a proud nation demands the right to independence, then why not demand it now , rather than when all your ducks are nicely lined up ?
I believe the SNP promised a referundum with in the term of the last parliament ? wonder what happened ?

The reason many down south care about the issue might be something to do with the fact that people like you are forever banging the drum about being anti English etc, and wanting independence " when it suits " while the whole infrastructure of the country is funded purely on grants from westminster, which have come from taxpayers within a 75 mile radius of London.
The UK outside of that zone runs at a loss, and generally speaking, the further outside that zone you are, the more subsidised you are.
Financially speaking, England would be incredibly better off without the other countries which constitute the UK, but it can be argued that it is a price worth paying. I used to believe in that argument, but im not so sure now. I believe very strongly that the UK should be governed from Westminster ( where all the money comes from) and if that isnt suitable to the other countries, then they should be granted full independence.
Everyone is having their cake and eating it these days.
I have to pay £7 for a prescription, so that those in the other 3 countries dont have to pay anything. Thats wrong, and if I lived in the UK outside of England, I think I might have trouble sleeping. I wouldnt want to be anybodys charity case, but if I were, I like to think I wouldnt have a chip on my shoulder about the source of the charity, and constantly bite the hand that is feeding me.
