No scale as scale occurs as the water cools on a heating element.
Not according to the engineer who services ours.
The solubility of salts in water increases with increasing temperature. As you heat the water in a kettle some of it will evaporate leaving a slightly higher concentration of salts in the water that will probably stay in solution as a result of the higher temperature. As the water cools it will reach a point where some of the salts must come out of solution so they will form on the inside of the kettle. That’s one mechanism for the deposition of the salts although there may be others.
Thankfully, like grumpysculler, I live in Scotland too so it’s kind of a moot point for us.