Specifically on your original point, no it makes no difference. Scotland would have had to join the EU fresh if it had voted for independence in 2014. This was a point of much contention on the referendum thread but that’s my view.
If the UK does vote to leave the EU this will put the SNP/Scotland in a bind as they cannot force independence and the UK would leave the EU taking Scotland with it. As for having to build the financial infrastructure it’s my view (again contentious) that Scotland would have had to do this anyway if it had voted yes, Scotland would have needed such infrastructure and it would have needed to join the euro.
I would bet my house on it.
@wan, I can imagine the SNP/Holyrood would arrange a poll without Westminster backing, as such the poll would have no constitutional force. it would be an “FYI”. The Referendum last year had the backing of Westminster with a commitment to honour the result. Any poll arranged by Holyrood would not carry the same force.